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The revised Payment Services Directive (PSD2) by the EU is disrupting banks and requiring them to provide third-party providers (TPPs) access to customer data. PSD2 aims to promote innovation and competition by enabling TPPs to leverage data to develop payment services. To comply, banks develop platforms where TPPs can use APIs to access data. This is described as open banking, marking a shift tow
The revised Payment Services Directive (PSD2) is reshaping traditional banking by requiring banks to grant licensed third-party providers (TPPs) access to customer data. This paper explores PSD2’s impact on Fintech market entry, assessing both opportunities and ongoing structural barriers. Through a qualitative investigation, it identifies key barriers such as API standardization gaps, data access
This thesis explores how teachers in Sweden’s art and music schools navigate the potentially conflicting goals of musical progress and social inclusion in group instrumental teaching. Group teaching has gained popularity due to cost-efficiency and its potential to meet children's social needs. However, many teachers trained in the one-to-one conservatory tradition express concern about maintaining
Human-bacterial interactions play a crucial role in several essential aspects of life. Here, we describe how a secreted protein from the skin commensal Cutibacterium acnes, RoxP, functions as a sacrificial redox effector molecule that facilitates beneficial interactions with its human host by counteracting oxidative stress and reducing stress-induced inflammation. Using a combination of structural
Time-frequency (TF) postprocessing methods are often used to form concentrated TF representations (TFRs) for nonstationary signals. Regrettably, most such techniques are sensitive to noise and tend to underestimate weak components when dealing with transient signals, resulting in sidelobes and low-resolution TFRs. In this work, we introduce a generalized group delay (GD) weighted sparse TF (GWSTF)
Background: Ultrafiltration (UF) insufficiency in peritoneal dialysis (PD) often leads to transfer to hemodialysis. Therefore, strategies to prolong time on therapy are needed. The use of a combined crystalloid and colloid solution, also called bimodal PD, can help improve UF. Methods: We propose a method for reconstituting bimodal solutions. Three bimodal PD solutions, with respectively 100 ml (s
The solute exclusion technique (SET) is often used to characterise the nano-porous structure of water-swollen cell walls. SET is based on the immersion of water-saturated wood samples in solutions of probe molecules of known size. Based on determined concentration differences in the solution before and after immersion, the accessible water within the wood is determined for each probe. However, thi
The Swedish Radiation Safety Authority has presented a report on severe accident scenarios at the European Spallation Source (ESS) for dimensioning the emergency preparedness zones around the facility. The source-term in the scenario consisted of more than 80 tungsten-target spallation products with physical half-life (T½) exceeding 1 hour. The purpose of this study is to establish which of these
The European Health Data Space (EHDS) marks a pivotal moment in regulating wellness applications within the European Union. This chapter examines the implications of the EHDS for user control over electronic health data processed through wellness apps, scrutinising the regulatory frameworks provided by both the General Data Protection Regulation (GDPR) and the EHDS. Despite the GDPR’s stringent re
En vetenskaplig text i vilken jag på engelska och för en internationell läsarkrets presenterar de centrala forskningsresultaten och slutsatserna från min avhandling.
17 kap. 3 § rättegångsbalken (RB) omgärdas av omfattande begrepps- och teoribildning. Som exempel har det skrivit tre svenska avhandlingar som har bestämmelsen som huvudtema. När det kommer skiljeförfaranden enligt lagen (1999:116) om skiljeförfarande (LSF) är det en omdebatterad fråga i vad mån tvistemålsprocessens begrepps- och teoribildning bör tillämpas analogt. LSF har ingen uttrycklig bestäm
Samples of Fucus serratus and Fucus vesiculosus have been regularly collected at Särdal (56.76 N, 12.63E) on the Swedish west coast since 1967, for most of the time, every two months. In 2020, sampling of Fucus spp. was extended to 44 other locations along the Swedish west, south, and east coast for comparison with Särdal data. At seven of these locations, water samples and extra samples of Fucus
In contemporary architectural research and practice, a critique from alternative positions has often been incorporated through situated perspectives from recipients of architectural acts. The text aims to discuss immediate situated impressions from recipients of architectural acts as well as architects’ reading of circumstances.
A review of Tart's contribution to various vields
