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Title: EMCC company network : Case example of the Bank of Cyprus Public Company Ltd
Abstract
The Bank of Cyprus Public Company Ltd. was founded in 1899 and is the holding company of the Bank of Cyprus Group. The Bank is the leading financial services organisation in Cyprus and operates 115 branches in Greece. It is also well established in the United Kingdom, where it operates six branches. The Group's international activities were extended in 2000 with the opening of a wholly owned subsidiary bank in Australia, which operates ten branches. The bank also has representative offices in the USA, Canada, South Africa, Russia and Romania. It offers a wide range of financial products and services, including financing, leasing, factoring, brokerage, fund management, general and life insurance. It employed 6,100 staff worldwide in August 2006, most of whom were white-collar workers. [Author vide Copyright]
Author (Corp. Body): European Foundation for the Improvement of Living and Working Conditions, Dublin
Year: 2007
ISBN / ISSN / Kat.Nr: EF/07/13/EN C4
Language: en
Ressource: Einzelne Arbeitspapiere, Preprints
Keyword: BankFinancial servicescase studycross border cooperation
Subject: Financial institutions. Credit systems. Payment systemsEnterprises
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: European Foundation for the Improvement of Living and Working Conditions (http://eurofound.europa.eu)
Title: EMCC company network : Managing change in EU cross-border mergers and acquisitions ; Case example : Danske Bank and
Irish National Bank: Viking raider is knight in shining armour
Abstract
The European Foundation for the Improvement of Living and Working Conditions organised a seminar for its company network on November 29-30, 2007, hosted by Santander at its corporate headquarters in Madrid, Spain. In intensive discussions over the two days, 32 representatives from companies, trade unions, universities, research organisations and the European Commission discussed the management of change in EU cross-border mergers and acquisitions (M & A). The Danske Bank/National Irish Bank case was presented jointly by Søren Rahbek, Senior Vice President responsible for Human Resources Development at Danske Bank, Sean McGrath, Head of Human Resources at National Irish Bank and Larry Broderick, General Secretary of Irish Bank Officials Association (IBOA). [Author vide Copyright]
Author: Huws,Ursula | O? Keefe, Brie
Publisher: European Foundation for the Improvement of Living and Working Conditions, Dublin
Year: 2008
ISBN / ISSN / Kat.Nr: EF/08/04/EN 2
Language: en
Ressource: Einzelne Arbeitspapiere, Preprints
Keyword: BankMergerMerger controlTakeovercase studycross border cooperation
Subject: Economic and growth policiesFinancial institutions. Credit systems. Payment systemsEnterprises
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: European Foundation for the Improvement of Living and Working Conditions (http://eurofound.europa.eu)
Title: EMCC company network : Managing change in EU cross-border mergers and acquisitions ; Case example : Schneider Electric:
Acquiring to grow
Abstract
The European Foundation for the Improvement of Living and Working Conditions organised a seminar for its company network on November 29-30, 2007, hosted by Santander at its corporate headquarters in Madrid, Spain. In intensive discussions over the two days, 32 representatives from companies, trade unions, universities, research organisations and the European Commission discussed the management of change in EU cross-border mergers and acquisitions (M & A). The Schneider Electric case was presented by Robert Immele, Senior Vice-President responsible for Corporate Strategy and Acquisition at the company. [Author vide Copyright]
Author: Huws,Ursula | O? Keefe, Brie
Publisher: European Foundation for the Improvement of Living and Working Conditions, Dublin
Year: 2008
ISBN / ISSN / Kat.Nr: EF/08/04/EN 5
Language: en
Ressource: Einzelne Arbeitspapiere, Preprints
Keyword: MergerMerger controlTakeovercase studycross border cooperation
Subject: Economic and growth policiesEnterprises
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: European Foundation for the Improvement of Living and Working Conditions (http://eurofound.europa.eu)
Title: EMCC company network : Managing change in EU cross-border mergers and acquisitions ; Case example : Air France-KLM:
Combining strengths for sustainability
Abstract
The European Foundation for the Improvement of Living and Working Conditions organised a seminar for its company network on November 29-30, 2007, hosted by Santander at its corporate headquarters in Madrid, Spain. In intensive discussions over the two days, 32 representatives from companies, trade unions, universities, research organisations and the European Commission discussed the management of change in EU cross-border mergers and acquisitions (M&A). The Air France-KLM case was presented by Emmanuel Jahan, the company's director of EU Affairs. [Author vide Copyright]
Author: Huws,Ursula | O? Keefe, Brie
Publisher: European Foundation for the Improvement of Living and Working Conditions, Dublin
Year: 2008
ISBN / ISSN / Kat.Nr: EF/08/04/EN 1
Language: en
Ressource: Einzelne Arbeitspapiere, Preprints
Keyword: MergerMerger controlAirlineTakeovercase studycross border cooperation
Subject: FrontiersEconomic and growth policiesEnterprises
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: European Foundation for the Improvement of Living and Working Conditions (http://eurofound.europa.eu)
Title: EMCC company network - Managing change in EU cross-border mergers and acquisitions - Case example: Santander and Abbey:
Expansion enabling access to new markets
Abstract
The European Foundation for the Improvement of Living and Working Conditions organised a seminar for its company network on November 29-30, 2007, hosted by international bank Santander at its corporate headquarters in Madrid, Spain. In intensive discussions over the two days, 32 representatives from companies, trade unions, universities, research organisations and the European Commission discussed the management of change in EU cross-border mergers and acquisitions (M & A). The Santander-Abbey case was presented by Javier Bugallo, HR Director, Abbey and Juan Maria Gorostidi Pulgar, Director of Labour Relations for the Santander group. [Author vide Copyright]
Author: Huws,Ursula | O? Keefe, Brie
Publisher: European Foundation for the Improvement of Living and Working Conditions
Year: 2008
Language: en
Ressource: Einzelne Arbeitspapiere, Preprints
Keyword: MergerMerger controlTakeovercross border cooperation
Subject: Economic and growth policiesEnterprises
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: European Foundation for the Improvement of Living and Working Conditions (http://eurofound.europa.eu)
Title: Health Services in the EEA
Abstract
Health policy has traditionally been an area governed principally by the law of individual member states. There is a general consensus among the member states and also the European Union (EU) institutions that this should not fundamentally change in the future. Despite a general acceptance of that principle, member states had also to realise that establishing an internal market - i.e. freeing the movement of goods, persons and services - requires at least to some extent a common approach - be it through the coordination of national policies or, in specific cases, even through harmonisation. Healthcare is no exception. [Professor Dr. Dominik Hanf]
Author: Hanf, Dominik
Series Title:European Parliament - Briefing Paper
Publisher: Europäische Union / Europäisches Parlament
Year: 2008
ISBN / ISSN / Kat.Nr: PE 388.937
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: EEAhealth carecross border cooperationhealth insurancemobility
Subject: Health. IllnessMedical care. Health control
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Title: Global Evaluation of the European Neighbourhood Partnership Instrument
Abstract
The study finds that ENP policy documents and ENPI budgetary allocations are fairly well aligned with the strategic objectives of EU external policy, and that planned interventions are well aligned with partner countries' needs and development priorities. Regarding performance, although ENPI allows for a more flexible and efficient use of resources compared to its predecessors (MEDA and TACIS), it still too early to assess whether these structural improvements has brought about improved results.[European Parliament]
Series Title:European Parliament - Study
Author (Corp. Body): Economisti Associati srl Via Rialto Bologna Italy
Publisher: Europäische Union / Europäisches Parlament
Year: 2008
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: evaluationbudgetcross border cooperationpartnership
Subject: International cooperationInternational relationsMoney. Financing
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Title: Engaging other main actors: Engaging emerging economies Removing barriers for technology cooperation
Author: Borbonus, Sylvia
Series Title:European Parliament - Note
Publisher: Europäische Union / Europäisches Parlament
Year: 2008
ISBN / ISSN / Kat.Nr: PE 401.005
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: cross border cooperationtechnology transfer
Subject: International cooperationEconomic development. Economic growthInternational market. International division of labourEnterprisesTechnology
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Title: Integration without accession: The EU?s special relationship with the countries in its neighbourhood
Abstract
This study was inspired by the former Article I-57 of the Treaty establishing a constitution for Europe but is equally pertinent for the provisions on a European neighbourhood policy of the Treaty of Lisbon signed on December 13, 2007 (new Article 7a TUE). The report explores the institutional and policy choices concerning the European Unions relations with the surrounding countries and regions in its neighbourhood. It surveys the current state of the European Neighbourhood Policy (ENP) and, in particular, the perceptions of the partner countries of how the EU contends with a series of political dilemmas. Different models for organising relations with neighbouring countries - pre-accession, the European Economic Area (EEA) and association - are analysed. The study suggests that in order to conceive of "special relationship" as more than simply a scheme in between association and accession, such a paradigm could be supplemented by another dimension: that of decentred integration..[European Parliament]
Author: Bechev, Dimitar
Series Title:European Parliament - Study
Publisher: Europäische Union / Europäisches Parlament
Year: 2007
ISBN / ISSN / Kat.Nr: PE 393. 270
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: bilateral relationscross border cooperation
Subject: International cooperationInternational relationsForeign policy
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Title: Full Compensation of Victims of Cross-Border Road Traffic Accidents in the Eu: the Economic Impact of Selected Options
Abstract
Cross-border road traffic accidents raising jurisdictional issues represent about 1% of road traffic accidents in the EU27. The direct costs of these accidents can be set at approximately u0080450 million yearly, of which u0080150 million are due to medical expenses and damage to property, whereas u0080300 million represent loss earnings and foregone production. If one also takes into account the indirect costs of cross-border road traffic accidents, namely the physical and psychological consequences for victims and their relatives, the total economic impact of those accidents amounts to about u00801.04 billion annually. Several cross-border road traffic accidents create a risk of undercompensation of the non-resident victim, due to differences in the standard of living as well as in the calculation of the quantum of damages in member states. The problem of victims' undercompensation in the event of a cross-border traffic accident has so far been approached mostly under the aegis of the proposed harmonisation of European Tort Law, especially within the debate on the 'Rome II' regulation on non-contractual obligations. Already during first reading, the European Parliament proposed to address this issue by mandating the application of the law of habitual residence of the victim when assessing the quantum of damage awards. [Andrea Renda, Lorna Schrefler]
Author: Renda, Andrea
Series Title:European Parliament - Study
Publisher: Europäische Union / Europäisches Parlament
Year: 2007
ISBN / ISSN / Kat.Nr: PE. 378.304
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: compensation (law)cross border cooperationvictimtraffic accident
Subject: International cooperationTraffic. Transport safetyMoney. Financing
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Title: An Analysis of the Commission Communications on Future Development of Frontex and the Creation of a European Border
Surveillance System (eurosur)
Abstract
On 13 February 2008, the European Commission tabled a border package, consisting of three communications1. dealing with the issue of EU external border management. Two of these documents, namely the communication on the evaluation and future development of Frontex2. and the communication on the creation of a European border surveillance system (Eurosur)3. propose significant evolutions with regard the role of the Frontex agency and the orientations of the EU integrated border management (IBM) concept. The evaluation of Frontex elaborated by the Commission services is timely: since the beginning of its operational phase in 2005, the agency has considerably developed its activities in all its domains of competence, and the EC subsidy to its budget has more than tripled over the period 2006-2008. The evaluation, however, falls short of critically assessing the consistence of Frontex activities with the fundamental values upheld by the EU. In this regard, it seems important to recall that Frontex is a first-pillar, Community body, which should not only respect the EU fundamental values in its activities, but also work for their promotion, particularly in a field which touches upon critical questions related to migration and freedom of movement.[European Parliament]
Author: Jeandoez, Julien
Series Title:European Parliament - Briefing Paper
Publisher: Europäische Union / Europäisches Parlament
Year: 2008
ISBN / ISSN / Kat.Nr: PE 408.295
Language: en
Ressource: Einzelne Arbeitspapiere, Preprints
Keyword: border regionborder protectioncross border cooperationillegal immigration
Subject: International relationsFrontiersForeign policy
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Title: Delivering Education across Borders in the European Union . Final Report : Implementing Framework Service Contract EAC
02/2010 (lot 3) And Specific Contract EAC/2012/0152
Author (Corp. Body): Europäische Kommission / Generaldirektion Bildung und Kultur
Contributer: Bertelsmann Stiftung
Year: 2013
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: educational programEuropecross border cooperation
Subject: Educational policy. Training policy
Countries Scheme: Europe. General Resources
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Title: Study on Conferring executive powers on Border Officers Operating at the External borders of the EU
Title (other): Study to examine the possibility of preparing a legal instrument in order to confer executive powers on officers
operating at the external borders of one of the countries under consideration or in the context of return enforcement :
Final report
Abstract
This document presents the results of the Study on the powers of border officers carried out by Unisys for the Directorate General Justice, Freedom and Security of the European Commission. This study has for objective to assess the situation in the 25 EU Member States, Norway, Iceland and Switzerland with respect to the possibility of conferring executive powers on border officers invited to operate at the external EU borders of another state or in the context of joint return enforcement. From there it draws suggestions for possible actions to increase the level of involvement of guest officers to contribute to an integrated management of the external borders.Basic information for this study has been collected through desktop research, face to face interviews with the competent authorities of the 28 involved States and contributions from experts involved in the project, as well as representatives from the European Agency for the management of the external borders (FRONTEX). It was conducted under the supervision of and in coordination with DG JLS.[Author vide copyright]
Table of Contents
1 Management Summary
1.1 Study Objectives
1.2 Border Management
1.3 Common EU legal basis and strategy
1.4 Common instruments
1.5 Approved Action plan, still to apply
1.6 Study Findings
1.7 Need for improvement
1.8 Recommendations
2 Introduction to the study
2.1 Description of the study and main objectives
2.2 Context of the study
2.3 Study methodology
3 Powers of border guards
33.1 Section summary
3.2 Chain of prerogatives
3.3 Border control services
3.4 Executive powers per country
4 Operations in other countries
4.1 Section summary
4.2 Border control and return
4.3 Other examples of cooperation
5 Comparative analysis of legal rules
5.1 Section summary
5.2 German approach
5.3 Requirement of international agreement
5.4 Pros and cons
5.5 Analysis per specific executive power
6 Assessment of requirements and barriers
6.1 Section summary
6.2 Synoptic table
6.3 Typology of legal requirements
6.4 Requirement of nationality
6.5 Language requirement
6.6 Constitutional Conferment of executive powers
6.7 Specific provisions concerning the exercise of executive powers by national officers abroad
6.8 Other requirements
6.9 Legal analysis within the Community context
7 Need for improvement
7.1 Section summary
7.2 Need for a legal basis
7.3 Solidarity vs Subsidiarity
7.4 Recommendations
8 Conclusions
9 Bibliography
10 Annexes
10.1 CD-ROM
10.2 Study framework and methodology
10.3 Overview of main border control services per country
10.4 Border Control cooperation between the US and Canada
10.5 Glossary
10.6 Table of Acronyms
10.7 Table on Public Authority Tasks
10.8 Overview of agreements
Author (Corp. Body): Unisys
Publisher: Europäische Kommission / Generaldirektion Justiz und Inneres
Year: 2006
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: EUborder protectioncross border cooperation
Subject: FrontiersEuropean Community law in general
Countries Scheme: Europe. General Resources
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäische Kommission (http://ec.europa.eu/)
Title: European Neighbourhood & Partnership Instrument : Cross-Border Cooperation ; Strategy Paper 2007-2013 ; Indicative
Programme 2007-2010
Author (Corp. Body): Europäische Kommission
Year: 2007
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: EUcross border cooperationneighborhood help
Subject: European Community funds and other financial instrumentsEuropean Community external relations
Countries Scheme: Europe. General Resources
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäische Kommission (http://ec.europa.eu/)
Title: Evaluation to support the preparation of pre-accession financial instruments beyond 2013 : Final Report
Abstract
This is the Final Report for the forward-looking evaluation on the future pre-accession financial instrument beyond 2013, commissioned by Directorate-General for Enlargement (DG ELARG) of the European Commission (EC). The work was carried out between December 2010 and May 2011 by the European Policy Evaluation Consortium (EPEC), and led by the EPEC grouping member GHK with support from EPEC partner Technopolis. The work has been undertaken under the guidance of a Reference Group chaired by DG ELARG and including representatives of other DGs of the Commission.[Author vide copyright]
Table of Contents
List of acronyms
Executive summary
1 Introduction
1.1 Purpose of the report and study objectives
1.2 The EU’s enlargement policy
1.3 Past EU support to the pre-accession process
1.4 The Instrument for Pre-accession Assistance
1.5 Method
1.6 Structure of the report
2 The problems addressed
2.1 Introduction
2.2 Problem 1: The need to realise the benefits of enlargement
2.3 Problem 2: Gap between the conditions in candidate countries and potential candidates and those in the EU
2.4 Problem 3: Lack of readiness to implement EU programmes and related obligations
2.5 Problem 4: Challenges in the current implementation arrangements for IPA
3 The baseline scenario 2013-2018 and the European added value of a future programme
...
4 Policy objectives
...
5 Policy options
...
6 Assessment of alternative policy options
...
7 Key modifications to the delivery of IPA considered
...
8 Monitoring and evaluation arrangements
...
Annexes
Annex 1 Path towards EU Membership
Annex 2 Background on beneficiaries
...
Annex 3 Pre-accession programmes prior to IPA
...
Annex 4 Component structure and delivery mechanisms of IPA
Annex 5 The findings of the online consultations
...
Annex 6 The benefits of enlargement and costs of non-enlargement
Annex 7 Beneficiary development trends
Annex 8 Detailed budget assumptions of the policy options
Annex 9 Draft intervention logic
Author (Corp. Body): GHK | Technopolis | European Policy Evaluation Consortium
Contributer: Europäische Kommission / Generaldirektion Erweiterung
Year: 2011
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: evaluationdemocratizationEUjoining of the European Unionfinancial assistanceaffirmative actioncross border cooperationassistance
human capitalinstitutionrural developmentregional development
Subject: Aid programmesEuropean Community external relations
Countries Scheme: Europe. General ResourcesIcelandSoutheastern Europe, Balkan peninsula. General ResourcesTurkey
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Title: Study on the implementation of the European Information Exchange Model (EIXM) for strengthening law enforcement
cooperation : Final Report
Abstract
Smooth and secure cross-border information exchanges between law enforcement authorities are essential in order to ensure a high level of security in the EU and tackle serious and organised crime, as well as other offences that require cross-border collaboration. In order to ensure timely access to accurate and up-to-date data for law enforcement authorities, a considerable number of EU instruments and systems have been put in place in recent years, which are also supplemented by international and bilateral arrangements. The purpose of the study was to provide a follow up to the Commission’s 2012 Communication on the European Information Exchange Model (EIXM Communication), to survey and assess activities carried out in Member States in this context as well as point to possible ways of further improvement. [Author vide copyright]
Table of Contents
Executive summary
1 Introduction
2 Scope and methodology of the study
2.1 Scope of the study
2.2 Our methodology
3 Context
3.1 EIXM – the rationale
3.2 EIXM – the legal and policy underpinning
3.3 EIXM – the legal instruments
3.4 EIXM – the processes and practical aspects of information exchange
4 The implementation of the European Information Exchange Model (EIXM)
4.1 Implementation of the legal instruments
4.2 Processes and practical aspects of information exchange
4.3 Horizontal challenges of EIXM
Annexes
Annex 1: Analytical Framework
Annex 2: Interview guides
Annex 3: Glossary of terms
3List of figuresFigure 2: The different layers of a SPOC
List of tables
Table 1: Instruments of information management currently in place
Table 2: Main channels for the cross -border exchange of law enforcement information
Table 3: Evolution of Prüm implementation (2012- 2014)
Table 4: Application of the SPOC Guidelines’ criteria in the Member States
Author: Doherty, Richard | Vandresse, Benoît | Kamarás, Éva
Contributer: Europäische Kommission / Generaldirektion Migration und Inneres | Deloitte
Year: 2015
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: data exchangeEUcross border cooperationinformation exchangeinformation systemjudiciarycorruptioncriminality
organized crimepolice
Subject: European Community treaties and agreementsPublic administration. Executive powerAdministration of justiceVarious information networks and systems
Countries Scheme: Europe. General Resources
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Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäische Kommission (http://ec.europa.eu/)
Title: Technical Study on Smart Borders : Final Report
Table of Contents
EXECUTIVE SUMMARY
1. INTRODUCTION
1.1 Objective
1.2 Scope
2. METHODOLOGICAL APPROACH
2.1. Overall approach
2.2. Analysis criteria
2.3. Options analysis
2.4. Basic assumptions
2.5. Relevant sources of law
3. EES AND RTP - BORDER CONTROL PROCESSES
3.1. ...
4. USE OF BIOMETRIC CHARACTERISTICS
4.1. ...
5. DATA
5.1. ...
6. ARCHITECTURE
6.1. ...
7. STATISTICS AND FORECASTS
7.1. ...
8. CONCLUSIONS
8.1. ...
9. OPTIONS FOR THE PILOT
APPENDIX A. - APPENDIX K...
Author (Corp. Body): pwc
Contributer: Europäische Kommission / Generaldirektion Inneres
Publisher: Amt für Amtliche Veröffentlichungen, Luxemburg
Year: 2014
ISBN / ISSN / Kat.Nr: 978-92-79-41798-6 | DR-01-14-990-EN-N
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: data processingEUborder protectioncross border cooperationillegal immigrationinformation exchangetourist traffic
Subject: FrontiersEuropean Community law in generalInformation transferElectronic data processing
Countries Scheme: Europe. General Resources
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Title: Study on obstacles to cooperation and information-sharing among Forensic Science Laboratories and other relevant bodies
of different Member States and between these and counterparts in Third Countries : Contract JLS/D1/2007/025 ; Final
Report
Author: Gill, Richard
Contributer: Europäische Kommission / Generaldirektion Justiz, Freiheit und Sicherheit | European Network of Forensic Science Institutes | EUROJUST
Year: 2008
ISBN / ISSN / Kat.Nr: Contract JLS/D1/2007/025
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: third countriesEUforensic medicinecross border cooperationinformation exchangecooperation
Subject: European Community law in general
Countries Scheme: Europe. General Resources
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Title: Study on consumers’ decision making in insurance services : a behavioural economics perspective ; Final report
Title (other): Study on consumers’ decision making in insurance services : a behavioural economics perspective ; Executive Summary |
Study on consumers’ decision making in insurance services : a behavioural economics perspective ; Annexes to the Final
Report | Study on consumers’ decision making in insurance services : a behavioural economics perspective ; Final report
– Country fiches
Abstract
The study had a threefold objective: Collecting data and evidence, testing a range of remedies to improve consumer decision-making and interest in cross-border offers, and estimating savings consumers could make. The preparatory phase involved the collection of qualitative and quantitative evidence on both demand for and supply of insurance and explored barriers and drivers of cross-border purchases, to support the design of the experimental phase; it consisted of desk-based research, stakeholder interviews, and focus groups. Task 2 involved a consumer survey conducted in conjunction with behavioural experiments, to provide quantitative evidence on consumers’ experiences in the market, the impact of contract features and the presentation of information on consumers’ decision-making, the interplay between contract features and behavioural traits, and consumers’ interest in and barriers to purchasing insurance cross-border. In particular, the experiments tested the effectiveness of remedies to improve consumer decision-making. The survey examined respondents’ behavioural characteristics, experience, and comprehension. Task 3 used the data and evidence collected to estimate potential savings for consumers that better choices may allow for the products studied. The study conclusions and recommendations address a number of general and cross-border insurance issues, such as the provision of information to consumers, the purchasing process, and levels of awareness and understanding.[Author vide copyright]
Table of Contents
ABSTRACT
INTRODUCTION AND RESEARCH OBJECTIVES
1. INTRODUCTION AND RESEARCH OBJECTIVES OF THE STUDY
1.1. Countries covered in the study
1.2. Products covered in the study
METHODOLOGY
2. SUMMARY OF THE RESEARCH METHODS USED TO INFORM THIS STUDY
2.1. Desk-based research
2.2. Stakeholder interviews
2.3. Focus groups
2.4. Online experiment and survey
2.5. Design of the laboratory experiment and survey
2.6. Approach to measuring potential savings consumers could make
EVIDENCE AND FINDINGS
3. FEATURES OF THE NON-LIFE INSURANCE MARKET
3.1. Non-life insurance market data
3.2. Insurers’ practices and distribution channels
3.3. Cross-border selling
4. CONSUMER DECISION-MAKING IN THE NON-LIFE INSURANCE MARKET
4.1. The consumer decision-making framework
4.2. Insights into consumer decision-making from behavioural economics
4.3. Situations in which consumers decide to buy or renew insurance
4.4. Finding and using information when shopping for insurance
4.5. Consumers’ preferred sales channels
4.6. Consumers’ use of insurance post-sale
4.7. Factors potentially leading to problems with consumer decision-making
5. EFFECTIVENESS OF REMEDIES IN HELPING CONSUMERS TO MAKE BETTER DECISIONS
5.1. Remedies that have been proposed or put in place
5.2. Effectiveness of remedies
5.3. Note on the analysis methodology
6. FACTORS THAT LIMIT CROSS-BORDER INSURANCE PURCHASES
6.1. Main factors limiting cross-border insurance purchases
6.2. Interventions to increase cross-border demand
7. POTENTIAL SAVINGS CONSUMERS COULD MAKE
7.1. Assessment of potential premium savings
7.2. Assessment of potentially higher claims pay-outs
7.3. Further assessment of potential savings
CONCLUSIONS AND RECOMMENDATIONS
8. CONCLUSIONS AND RECOMMENDATIONS
8.1. Conclusions
8.2. Policy recommendations
9. BIBLIOGRAPHY
Tables
Figures
| Annexes
INTRODUCTION
ANNEXES RELATING TO TASK 1
1. ANNEX 1: APPROACH TO THE DESK-BASED RESEARCH
1.1. Literature review
1.2. Market data collection
2. ANNEX 2: APPROACH TO THE STAKEHOLDER INTERVIEWS
2.1. Preliminary list of stakeholders
2.2. Preparation ahead of the interviewing process
2.3. Interviews at Member State level
2.4. Interviews with stakeholders at EU level
2.5. Full list of stakeholders interviewed and interview dates
2.6. Stakeholder interview guides
3. ANNEX 3: COUNTRY CASE STUDY GUIDELINES
4. ANNEX 4: APPROACH TO THE FOCUS GROUPS
4.1. Design of the focus group research
4.2. Sampling and recruitment
4.3. Discussion guide
4.4. Focus group recruitment screening questions
ANNEXES RELATING TO TASK 2 – ONLINE COMPONENT
5. ANNEX 5: DESIGN OF THE ONLINE EXPERIMENTAND SURVEY
5.1. Sample sizes
5.2. Components of the experiment and survey
5.3. Structure of the contract choice task
5.4. Treatments
5.5. Incentive structure
5.6. Incorporation of findings from Task 1 and the pilot into the experimental design
6. ANNEX 6: DESIGN OF OFFERS IN THE CONTRACT CHOICE TASK
6.1. Offers home insurance
6.2. Offer motor insurance
6.3. Car rental insurance
6.4. Add-on insurance
7. ANNEX 7: SURVEY AND EXPERIMENT SCRIPT
7.1. Introduction to the Survey
7.2. Socio-demographics (D1)
7.3. Cognitive ability and behavioural characteristics (S3)
7.4. Allocation to products and treatments
7.5. Incentives and introduction to the experiment task
7.6. Choice task
7.7. Comprehension and awareness questions (S4)
7.8. Experience with non-life insurance
7.9. Identifying cross-border oriented consumers
7.10. Questions on interest in and potential obstacles of cross-border insurance purchases
8. ANNEX 8: INCENTIVE STRUCTURE
| 9. ANNEX 9: ONLINE EXPERIMENT SAMPLE SIZE CONSIDERATIONS
9.1. Impact of sample size on representativeness
9.2. Impact of sample size on the precision of estimates
ANNEXES RELATING TO TASK 2 – LABORATORY COMPONENT
10. ANNEX 10: DESIGN OF THE LABORATORY EXPERIMENT AND SURVEY
10.1. Laboratory experiment discussion guide
11. ANNEX 11: LABORATORY EXPERIMENT SAMPLE SIZE CONSIDERATIONS
11.1. Products to be tested in the laboratory environment
11.2. Contextual factors and treatments to be tested
11.3. Rationale for including one product instead of two in the choice task
11.4. Combing the online and laboratory experiment data
11.5. Including further products in the laboratory follow-up questions
FURTHER ANALYSIS, RESULTS AND TECHNICAL INFORMATION
12. ANNEX 12: ASSESSMENT OF POTENTIAL PREMIUMSAVINGS USING SURVEY DATA
13. ANNEX 13: SHARES WHO GAVE EACH AVAILABLE ANSWER TO EACH SURVEY QUESTION
14. ANNEX 14: WEIGHTING FACTORS AND TARGET SHARES FOR GENDER, AGE AND REGION
Author (Corp. Body): London Economics | Ipsos | VVA Europe
Contributer: Europäische Kommission / Generaldirektion Justiz und Verbraucher
Publisher: Europäische Kommission / Amt für Veröffentlichungen
Year: 2017
ISBN / ISSN / Kat.Nr: Specific contract – No 2014 85 08 | Implementing Framework Contract – EAHC/2011/CP/01/LE | 978-92-9200-749-2 | EB-01-17-059-EN-N | 978-92-9200-750-8 | EB-17-01-060-EN-N
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: servicedecision makingEUcross border cooperationconsumerconsumer protectioninsuranceinsurance benefit
Subject: European Community law in generalConsumption. Consumer protectionInsurance. Insurance risks
Countries Scheme: Germany. General ResourcesEurope. General ResourcesSwedenLatviaSlovak Republic
RomaniaItalySpainFranceUnited KingdomLuxembourg
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäische Kommission (http://ec.europa.eu/)
Title: Impact of information on patients’ choice within the context of the Directive 2011/24/EU of the European Parliament and
of the Council on the application of patients’ rights in cross-border healthcare : Final Report
Abstract
The Executive Agency for Consumers, Health and Food (CHAFEA), acting on behalf of the European Commission (DG SANCO) commissioned Ipsos and London Economics to undertake a study into the impact of information on patients’ choice in the context of Directive 2011/24/EU of the European Parliament and the Council on the application of patients’ rights in cross-border healthcare.The study is divided into two phases: Phase I is based on a controlled online experiment and survey undertaken in eight Member States which investigated the impact of information on respondents’ choice to seek healthcare cross-border in the EU. Phase I also included a survey of payers. In Phase II a shortened version of the Phase I experiment was implemented along with a survey that asked respondents questions about their experience on the National Contact Point websites.[Author vide copyright]
Table of Contents
Glossary
Executive summary
1 Introduction
1.1 Objective
1.2 Phase I method
1.3 Survey of citizens and doctors
1.4 Payer survey
1.5 Literature review
1.6 Behavioural experiment
1.7 Design of choice experiment
1.8 Phase II method
2 Literature review Phase I
2.1 Overview of cross-border healthcare provision
2.2 Country-level evidence
3 Payer survey Phase I
3.1 Directive 2011/24/EU and cross-border patient care
3.2 The content of National Contact Point websites
4 Consumer and doctor survey Phase I
4.1 Previous experience of cross-border medical treatment
4.2 Destination of previous cross-border travel for medical treatment
4.3 Reasons for travelling cross-border for medical treatment
4.4 Potential reasons for travelling cross-border for medical treatment
4.5 Confidence in healthcare systems
4.6 Recommendations for cross-border travel
5 Drivers of cross-border patient choice Phase I
5.1 Price
5.2 Waiting time
5.3 Trust
5.4 Language
6 National Contact Point visitor questionnaire Phase II
6.1 Reasons for visiting the National Contact Points
6.2 How easy it was to find information on the NCP websites
6.3 How helpful the information was
7 Drivers of cross-border patient choice Phase II
7.1 The effect of price on choice of cross-border healthcare
7.2 The effect of waiting time on choice of cross-border healthcare
7.3 The effect of price and waiting time
7.4 Effect of complexity of information framing on choice
8 Conclusions and recommendations
References
Annex 1 Survey of citizens and doctors Phase I
Annex 2 NCP Visitor questionnaire Phase II
Annex 3 Invitation screens NCP visitor questionnaire Phase II
Annex 4 Regression results Phase I and II
Annex 5 Confidence in national healthcare systems Phase I
Tables, Figures and Boxes
Author (Corp. Body): London Economics | Ipsos
Contributer: Europäische Kommission / Consumers, Health, Agriculture and Food Executive Agency
Year: 2014
Language: en
Ressource: Einzelne Berichte, Studien
Keyword: EUhealth policyhealth carecross border cooperationinformation processpatient law
Subject: Medical care. Health control
Countries Scheme: Germany. General ResourcesEurope. General ResourcesDenmarkFinlandSwedenEstoniaPoland
Czech RepublicHungarySloveniaItalySpain
Online Ressource: vorübergehend nicht erreichbar!
Bitte beachten Sie die urheberrechtlichen Bedingungen der Dokumentenbenutzung / Please observe the copyright when accessing the document | Quelle / Source: Europäische Kommission (http://ec.europa.eu/)
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