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Journal articles on the topic 'ATM frauds'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Zare, Chaitali B., and L. D. Bodile. "DETERMINATION OF FINANCIAL AWARENESS ABOUT ATM FRAUDS BASED ON DEMOGRAPHICAL FACTORS IN AKOLA AND AMRAVATI DISTRICTS OF MAHARASHTRA." International Journal of Innovations & Research Analysis 04, no. 02(II) (2024): 102–9. http://dx.doi.org/10.62823/4.2(ii).6694.

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After the wider use of Automated Teller Machine (ATM), the number of frauds has increased rapidly. In Maharashtra state, financial cyber frauds are highest. There were less crimes regarding ATMs, in Akola district compared to district of Amravati. The main objective of the research paper is to find out the awareness in respect to ATM frauds in Akola and Amravati districts of Maharashtra using demographic factors. For primary data collection, a structured questionnaire was prepared and 500 responses were recorded i.e. 250 each from Akola and Amravati districts of Maharashtra state. Secondary da

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Poornima, D., Mariam Oommen P. Preethi, and Devi K. Nirmala. "Authenticated Access of ATM Cards." International Journal of Trend in Scientific Research and Development 3, no. 3 (2019): 1388–92. https://doi.org/10.31142/ijtsrd23330.

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Due to the rise and rapid growth of E commerce the use ATM cards has drastically increased which caused an explosion in the ATM card frauds. In real life fraudulent transaction are scattered with genuine transactions Hence simple pattern matching techniques, for instance Personal Identification Number PIN are not enough to detect these frauds accurately. Implementation of efficient fraud detection system has become imperative to reduce people loss. Our project aims to prevent the use of ATM cards without the authorization of owner or card holder. At present the card can be accessed if the PIN

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3

Tade, Oludayo, and Oluwatosin Adeniyi. "‘They withdrew all I was worth’." International Review of Victimology 23, no. 3 (2017): 313–24. http://dx.doi.org/10.1177/0269758017704330.

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A major downside of the cashless policy introduced by the Central Bank of Nigeria in 2014 is pervasive automated teller machine (ATM) frauds. While fraudsters gain, the life chances of victims are affected. Previous studies in Nigeria had not investigated the effect of ATM frauds on victims’ life chances. Data were generated through in-depth interviews with victims of ATM fraud. Findings show victims suffered post fraud trauma and often depended on friends, parents and relatives to survive the trauma. The reaction of banks to customers’ victimization was unfavorable and unhelpful in compensati

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Mahajan, Sonal, Anagha Awale, Rutuja Gurav, Pranjal Satpute, Ms Hema Karande, and Mr Jitendra Bakliwal. "Cardless Transaction in ATM." International Journal for Research in Applied Science and Engineering Technology 11, no. 4 (2023): 2992–95. http://dx.doi.org/10.22214/ijraset.2023.50741.

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Abstract: A lot of financial transactions are carried out using automated teller machines, or ATMs. However, ATM frauds, such as card skimming and PIN theft, continue to be a major concern for both customers and financial institutions. Face detection technology has come to light as a promising solution to increase the security of ATM transactions. Face detection technology can authenticate users by precisely identifying them based on their facial features, adding yet another level of security to ATM transaction processes. This research paper provides an overview of the use of face detection te

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Nkgapele, Tumelo Presley, Chunling Tu, and Moses Olaifa. "Versatile Multimodal Biometrics to Prevent ATM Identity Frauds." International Journal of Emerging Technology and Advanced Engineering 13, no. 5 (2023): 1–7. http://dx.doi.org/10.46338/ijetae0523_01.

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—Automated Teller Machine (ATM) frauds have increased over the years resulting in the loss of customers and trust in current ATM security measures. In order to fight identity fraud and regain trust and reliability, biometric recognition technologies have become a necessity for ATMs. Using a card and pin is no longer reliable due to the rise of ATM identity fraud over the years. Studies have been carried out to solve this uprising issue, such as replacing the memorized pin with a one-time pin (OTP) and others using biometrics. There are still many gaps and challenges in the systems, with a comm

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AGU, Stephen Ikechukwu (Ph.D). "A Time Series Analysis of the Effect of Bank Fraud on the Performance of Deposit Money Banks (DMB) in Nigeria." ISRG Journal of Economics, Business & Management (ISRGJEBM) III, no. I (2025): 115–23. https://doi.org/10.5281/zenodo.14862823.

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<strong>Abstract</strong> <em>The main motivation of this study stemmed from the researchers' quest to establish statistically whether the number of fraud cases, actual losses incurred, and the number of ATM frauds that occurred in banks could provide empirical proof as appropriate determinants of bank fraud and also ascertain the extent of influence these variables exerted on the performance of deposit money banks (DMB) in Nigeria. As such, this study ascertained the effect of bank fraud on the performance of deposit money banks (DMB) in Nigeria. Specifically, the study determined the effect

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ILODUBA, SUSAN. C. "SECURE ATM AND BANK TRANSACTIONS USING BIOMETRIC AND BLOCKCHAIN." International Journal of Advances in Scientific Research and Engineering (ijasre) 5, no. 10 (2019): 301–13. https://doi.org/10.31695/IJASRE.2019.33580.

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<em>The conventional Automated Teller Machines in Nigeria have over the past few years been faced with inherent security challenges, which have mostly been attributed to the two-factor authentication structure (PIN and Card) of the ATM systems. The Nilson’s report (2016) reveals that over 72% of ATM frauds within the period of the review were from card frauds, ranging from counterfeiting to card snatches. This record was able to soar so high since the identity thief is left with only one security clearance (PIN) to provide once the card is obtained. This work focuses on a multifacto

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8

Ankita, S. Ugare, S. Bhendavade Anuja, L. Patil Mayuri, R. Varnole Monika, and S. Halunde Swati. "A Methodology to Secure ATM System Using Microcontroller." Journal of Electronic Design Engineering 5, no. 2 (2019): 1–5. https://doi.org/10.5281/zenodo.2634940.

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<em>This paper gives the depiction of the new way to deal with wards the security of ATM (Automatic Teller Machine) Systems. Frauds related to the ATM (Automatic Teller Machine) are increasing day by day which is a serious issue. ATM security is used to provide protection against these frauds. Though security is provided for ATM machine, cases of robberies are increasing. Past advancements give security inside machines to secure transaction, yet machine isn't flawlessly ensured. The ATM machines are not safe since security provided traditionally were either by using RFID reader or by using

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9

Jog, Vivek V., M. J. Chouhan, and Akhil Mangla. "HMM Based Enhanced Security System for ATM Payments." Advanced Materials Research 403-408 (November 2011): 1014–21. http://dx.doi.org/10.4028/www.scientific.net/amr.403-408.1014.

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Due to a rapid advancement in the electronic commerce technology, the use of ATM cards has dramatically increased. As ATM card becomes the most popular mode of payment for both online as well as regular purchase, cases of fraud associated with it are also rising. In this paper, we model the sequence of operations in ATM card transaction processing using a Hidden Markov Model as well as Bluetooth based mobile security model (HMM) and show how it can be used for the detection of frauds. To determine the parameters of a HMM it is first necessary to make a rough guess at what they might be. Once t

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Nti, Isaac Kofi, James Adu Ansere, and Albert Appiah. "Investigating ATM Frauds In Sunyani Municipality: Customer’s Perspective." International Journal of Science and Engineering Applications 6, no. 2 (2017): 59–65. http://dx.doi.org/10.7753/ijsea0602.1006.

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11

Sultan, Saleem Khalaf Al Hattali, Mazhar Hussain Shaik, and Frank Anilloy. "Design and development for detection and prevention of ATM skimming frauds." Indonesian Journal of Electrical Engineering and Computer Science (IJEECS) 17, no. 3 (2020): 1224–31. https://doi.org/10.11591/ijeecs.v17.i3.pp1224-1231.

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ATM Skimming is a major concern that needs to be addressed with a specific solution. ATM Skimming is done in two steps. One is stealing the Personal Information that is stored on the Debit card / Credit card using Rain cover connected to the card reader slot (ATM’s real card slot). The second is installing a Fake keypad that can capture the pin code when the card holder enters pin details. Few researchers have proposed solutions to address the issue using Image Processing techniques. However, it does not provide a complete solution in a long term. Hence it is of paramount importance to p

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V.Jog, Vivek, and Nilesh R. Pardeshi. "Advanced Security Model for Detecting Frauds in ATM Transaction." International Journal of Computer Applications 95, no. 15 (2014): 47–50. http://dx.doi.org/10.5120/16674-6679.

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Khalaf Al Hattali, Sultan Saleem, Shaik Mazhar Hussain, and Anilloy Frank. "Design and development for detection and prevention of ATM skimming frauds." Indonesian Journal of Electrical Engineering and Computer Science 17, no. 3 (2020): 1224. http://dx.doi.org/10.11591/ijeecs.v17.i3.pp1224-1231.

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ATM Skimming is a major concern that needs to be addressed with a specific solution. ATM Skimming is done in two steps. One is stealing the Personal Information that is stored on the Debit card / Credit card using Rain cover connected to the card reader slot (ATM’s real card slot). The second is installing a Fake keypad that can capture the pin code when the card holder enters pin details. Few researchers have proposed solutions to address the issue using Image Processing techniques. However, it does not provide a complete solution in a long term. Hence it is of paramount importance to provide

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14

Adeoti, Johnson Olabode. "Automated Teller Machine (ATM) Frauds in Nigeria: The Way Out." Journal of Social Sciences 27, no. 1 (2011): 53–58. http://dx.doi.org/10.1080/09718923.2011.11892905.

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15

TYONA, Timothy, Mnena AGA, and Tyav E. TABULO. "E-Fraud and Bank Performance: Empirical Evidence from Nigeria." Account and Financial Management Journal 06, no. 02 (2021): 2300–2307. https://doi.org/10.47191/afmj/v6i2.01.

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This study examines e-fraud and bank performance: empirical evidence from Nigeria. Expo facto research design was used while time series data for the period of ten (10) years sourced from Central Bank of Nigeria (CBN) statistical Bulletin. Unit root test and correlation matrix was used as a diagnostic tests. The Augmented Dickey Fuller (ADF) test is used to test for stationarity. The results of the stationarity or unit root test show that all the variables, return on equity (ROE), Automated Teller Machine Fraud (ATF) and Online Fraud (OLF) have unit roots and are only stationary at first diffe

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Shweta, Sankhwar*1 &. Dhirendra Pandey2. "A SURVEY OF AUTOMATED TELLER MACHINE USAGE IN NORTH INDIA." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 6, no. 11 (2017): 530–34. https://doi.org/10.5281/zenodo.1066230.

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A machine that hand out cash or executes several banking services at a swipe of Automated Teller Machine (ATM) card in it. An ATM is a machine is use to withdraw cash using a debit card issued by a bank to the consumer(s). An ATM card is issued by a financial organization that permits user to access an Automated Teller Machine (ATM) such as to deposit amount, cash withdrawals, to check account information, etc. It is now preferred to cash by a large majority of the urban population in many cities of India, who use it to take out when necessary. This survey is cond

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Mr., Anurag Anil Ratnaparkhi, Neha Rakeshchandra Vishwakarma Ms., and Dr. Vijaykumar G. Wawle Prof. "A Study of Online Banking Scams / Frauds In India." Young Researcher S14, no. 1B (2025): 238–44. https://doi.org/10.5281/zenodo.14873742.

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<em>India has adopted the policy of digitalization in 2016. Since that the number of online bank frauds have grown with much higher rate. Especially the frauds like phishing, vishing, ATM frauds etc. The research asserts that such frauds in public sector banks are much higher than that of the private sector banks. The research has shown that even if the number of fraud is decreasing in both private and public sector banks; the amount of scams is much higher in the public sector bank than that of the private sector banks.</em> <em>F</em><em>raudulent activity has generally decreased across publ

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Jurgene, S., and O. B. Longe. "Development of One-Time Password (OTP) for ATM/POS : A Review of Related Works." advances in multidisciplinary & scientific research journal publication 26 (December 11, 2020): 55–60. http://dx.doi.org/10.22624/isteams/v26p7-ieee-ng-ts.

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This study is aimed at designing a One-Time Password (OTP) for ATM/POS. The emergence of the Internet Banking leads to the Introduction of Plastic payment cards that provide a suitable and secure medium which people conduct a variety of financial transactions. But with this exciting innovation, it has also led to crime opportunities called “PLASTIC FRAUDS”. Notwithstanding, this crime must be controlled and that is why the banks must adopt a preventive and proactive method to fight the crimes. This calls for a One-Time Password (OTP) for ATM/POS. In this paper, we reviuewed Related Literaure a

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Kailash Kumar, Vikas Sihag, and Gaurav Choudhary. "Geofencing based Banking Authentication System: A Fraud Mitigation Technique." Research Briefs on Information and Communication Technology Evolution 6 (October 1, 2020): 30–40. http://dx.doi.org/10.56801/rebicte.v6i.92.

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In today’s world of digitization, online electronic payment systems, and banking authentication havean important role in everyone’s life. Banks use different ways of authentication at a different level tomaintain the security of the hard-earned money. The security issues in the e-payment system, ATM,websites that store data or details of the cardholders lead to frauds, In ATM and POS transactionsonly card and PIN is been used and there is no other way of authentication. Researches purposeddifferent methods such as Biometric methods which are hard to implement in the current scenario.There is n

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S, Kavyashree, and Supreetha M. "FINGERPRINT AND FACE RECOGNITION BASED ATM SYSTEM USING RASPBERRY PI." International Journal of Innovative Research in Advanced Engineering 8, no. 7 (2021): 190–98. http://dx.doi.org/10.26562/ijirae.2021.v0807.008.

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ATMs (Automatic Teller Machine) are becoming widely used in today's world because they are easy to use and offer convenience. However, today's ATM technology comes with some security risks such as the theft and misuse of cards, the possibility of losing a card, and forgetting PIN numbers. A growing number of frauds committed against automatic teller machines over the last decade motivated us to use biometrics to ensure the accuracy and security of personal identification. In this paper, we describe a biometric fingerprint and face recognition system that can replace ATM cards and PINs. The tra

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Mr., T. Karthikeyan, Aarthi. S. Ms., and Amirtha. P. |. Ms. Divya. R. |. Ms. Sowndarya. S. Ms. "Enhancing the Cash Point using Multimode Biometric System." International Journal of Trend in Scientific Research and Development 3, no. 3 (2019): 353–58. https://doi.org/10.31142/ijtsrd21768.

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Frauds attacking the automated teller machine have increased over the decade which has motivated us to use the biometrics for personal identification to procure high level of security and accuracy This paper describes a system that replaces the ATM cards and PINs by the physiological biometric face and iris authentication. In this system during enrolment the genuine users face and iris samples of are retained in the database. The process of transaction begins by getting and matching face and iris patterns. The system will automatically distinguish between real legitimate trait and fake samples

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Motseki, Morero. "Prospects and challenges in the investigation of credit card fraud in Vall Region of the Gauteng Province, South Africa." Technium Social Sciences Journal 27 (January 8, 2022): 959–67. http://dx.doi.org/10.47577/tssj.v27i1.5136.

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Today use of Credit Card even in developing countries has become a common scenario. People use it to shop, pay bills and for online transactions. But with increase in number of Credit Card users, the cases of fraud in Credit Card have also been on rise. Credit Card related frauds cause globally a loss of billions of Rands. Credit Card fraud can be done in numerous ways. The article begins with an examination of the extent of the challenge and response by the relevant stakeholders, especially the Criminal Justice System (CJS). This study was carried out utilising a qualitative research approach

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Olofin, Abiona Jeremiah, Joy Chinaka Yadua, Nasamu Gambo, and Rahilahtu Ahmad Muhammad. "Financial Innovations and Financial Performance of Listed Deposit Money Banks in Nigeria." International Journal of Management Technology 11, no. 1 (2024): 51–67. http://dx.doi.org/10.37745/ijmt.2013/vol12n15167.

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This study examines the relationship between financial innovations and financial performance of listed deposit money banks in Nigeria. This study adopted expost-facto research design. Census sampling techniques was used to adopt all the 25 deposit money banks quoted in the Nigerian stock exchange. Secondary data was collected from all listed Deposit Money Banks in Nigeria between the period 2010 to 2021. The data was extracted from the annual reports of the listed Deposit Money Banks in Nigeria. Correlation analysis was used to measure the relationship between variables. Specifically, the rese

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Revenko, Natal'ya Ivanovna. "Material and electronic-digital traces as an element of the forensic characteristics of frauds committed in the way "Your relative got into trouble"." Юридические исследования, no. 8 (August 2024): 58–66. http://dx.doi.org/10.25136/2409-7136.2024.8.71604.

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The subject of the study is the material and electronic-digital traces formed during the commission of fraud in the way "Your relative got into trouble". Despite the fact that the fraudster communicates with the victim by phone remotely, when committing fraud, there remains a certain set of material traces, the detection and investigation of which will allow to identify the fraudster courier and prove the event of the crime. The separation of electronic and digital traces into a separate group is associated with the use of information technology by fraudsters. During the investigation, the inv

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Weirich, Thomas R., and Natalie Tatiana Churyk. "AIM Corporation: A Business Fraud Case Study." Journal of Forensic Accounting Research 3, no. 1 (2018): A37—A51. http://dx.doi.org/10.2308/jfar-52124.

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ABSTRACT The Association of Certified Fraud Examiners (2016) indicates that asset misappropriation is the most common form of occupational fraud. Based upon a real company, this case contains six frauds: collusions, commissions, fictitious sales, rebates, refunds, and write-offs. It also includes several asset misappropriation (e.g., theft of cash, misuse of inventory, and fraudulent reimbursement) schemes. Furthermore, four of the six frauds are not found in other published case studies. The case seeks to enhance learning by having students (1) examine multiple fraudulent schemes within a sin

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Balaram, Kasana. "India's Progress towards Cashless Economy: Recent Trends and Challenges." European Journal of Advances in Engineering and Technology 10, no. 11s (2023): 23–31. https://doi.org/10.5281/zenodo.10638496.

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<strong>ABSTRACT</strong> The Reserve Bank of India has implemented several cashless transaction or payment systems from time to time to check corruption, black money and money laundering in the country. Which includes paper-based instruments like cheque, demand draft etc. and online payment settlement systems like ECS Credit, RECS, ECS Debit, EFT, NEFT, RTGS etc. After the achievements made by India in the field of information technology after 2000, internet based online transactions have been started by mobile banking, ATM or point of sale machines, UPI etc. The number of paper based transac

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Ongetta, Silvano. "Italian ATM fraud." Computer Fraud & Security Bulletin 1993, no. 11 (1993): 3. http://dx.doi.org/10.1016/0142-0496(93)90102-3.

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Bartulović, Marijana, Dijana Perkušić, and Ivan Kovačević. "Differences in business fraud between state-owned and private companies: case of Croatia." Financial Internet Quarterly 19, no. 4 (2023): 1–8. http://dx.doi.org/10.2478/fiqf-2023-0023.

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Abstract Fraud presents a serious problem and arising issue for all of society at national and global levels. According to global fraud research conducted by the Association of Certified Fraud Examiners, it is estimated that the average company loses about 5% of its annual revenue due to different types of business fraud. Total estimated annual fraud losses according to global ACFE research reaches about 4.7 trillion dollars. Business frauds also present an important issue for the Croatian economy, business community and society as a whole. Thereby, considerable attention should be given to th

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Talekar, P. R. "Role of Forensic Accounting on Detection and Prevention of Fraud- An Overview." International Journal of Advance and Applied Research 5, no. 10 (2024): 35–39. https://doi.org/10.5281/zenodo.11298570.

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“Earth provides enough to satisfy every man’s needs but not the men’s greed.”- <strong>Mahatma Gandi</strong> <strong> </strong>India is not an exception to the global trend of fraud being a major problem for businesses and organizations in recent years.  The financial well-being, stakeholder trust, and reputation of an organization can all suffer significantly from financial fraud.  As a result, businesses are using forensic accounting more and more to identify, stop, and lessen the effects of fraud.  A specialist area of study called forensic accou

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Castañeda, Gonzalo, and Ignacio Ibarra. "Detección de fraude con modelos basados en agentes: las elecciones mexicanas de 2006." Perfiles Latinoamericanos 18, no. 36 (2010): 43–69. http://dx.doi.org/10.18504/pl1836-043-2010.

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En este artículo se desarrolla una técnica novedosa para la detección de fraudes electorales a partir del análisis estadístico de los resultados. Con este fin se describe un modelo computacional basado en agentes en el que la dinámica de una campaña electoral condiciona las preferencias partidistas de los individuos. El modelo se construye suponiendo que en un proceso limpio los resultados oficiales dependen, esencialmente, de preferencias partidistas que han sido sujetas a la interacción social y a la influencia de información global. En contraste, para simular la existencia de un fraude se m

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Shakir, Saifullah, and Ghulam Abbas. "Role of Forensic Auditing in Enhancing the Efficiency of Public Sector Organization." Reviews of Management Sciences 2, no. 2 (2020): 40–59. http://dx.doi.org/10.53909/rms.02.02.030.

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Purpose: The aim of study is to investigate the importance of forensic auditing practices in detecting and preventing financial fraud as well as enhancing the efficiency of Public owned entities. Corruption and frauds both are gargantuan twin brothers that have halted the peace of growth for economy, especially developing nations like Pakistan. Many large scale public owned entities are reeling due to corruption and fraud. Design/Methodology/Approach: Survey was carried out and data were collected from the public sector organizations. Partial Least Square-Structural Equation Modeling (PL

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Badaró, Tatiana. "A mentira que invalida o consentimento sexual: limites à criminalização do estupro mediante fraude." Revista do Instituto de Ciências Penais 8, no. 2 (2023): 390–424. http://dx.doi.org/10.46274/1809-192xricp2023v8n2p390-424.

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The legal systems of countries such as Germany and the United Kingdom only allow punishment for the practice of a sexual act through fraud in certain situations. Conversely, art. 215 of the Brazilian Penal Code is broad enough to allow punishment whenever fraud constitutes a condition without which sexual consent would not have been obtained. Both models deserve criticism: the former is generally guided by the classic distinction between fraud in the factum and fraud in the inducement, which lacks clarity and foundation, and the later reaches conducts that should not receive any attention from

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Gunjan, Sahoo, Manjula V. Dr, Anuradha Bhakta K, S. A. Poojashree, and D. Shenoy Divya. "Fraud Detection in Online Transaction." Journal of Network Security and Data Mining 3, no. 2 (2020): 1–8. https://doi.org/10.5281/zenodo.3989160.

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<em>Credit card fraud ranges from larceny and fraud committed involving a payment card, like a credit card or debit card, as a deceitful supply of funds during the payments. The aim may also be to get merchandise by not paying and also getting unauthorized funds from an account. These frauds are also an adjunct to identity theft. Though incidences of credit card fraud are restricted to about 0.1% of all card transactions, they have resulted in financial loss as the transactions have been large sum. In this present digital era there is increased demand for a secure online transaction and there

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Vyshnav, K. Jyothsna. "State-of-the-art strategy in machine learning for credit card fraud detection." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 02 (2025): 1–9. https://doi.org/10.55041/ijsrem41613.

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People can use credit cards for online transactions as it provides an efficient and easy-to-use facility. With the increase in usage of credit cards, the capacity of credit card misuse has also enhanced. Credit card frauds cause significant financial losses for both credit card holders and financial companies. In this research study, the main aim is to detect such frauds, including the accessibility of public data, high-class imbalance data, the changes in fraud nature, and high rates of false alarm. The main focus has been to apply the recent development of machine learning algorithms for thi

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Walsh, Nigel. "ATM fraud prompts card rethink?" Card Technology Today 17, no. 2 (2005): 10. http://dx.doi.org/10.1016/s0965-2590(05)00245-8.

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Choi, Jinhyeok, Heehyeon Kim, and Joyce Jiyoung Whang. "Unveiling the Threat of Fraud Gangs to Graph Neural Networks: Multi-Target Graph Injection Attacks Against GNN-Based Fraud Detectors." Proceedings of the AAAI Conference on Artificial Intelligence 39, no. 15 (2025): 16028–36. https://doi.org/10.1609/aaai.v39i15.33760.

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Graph neural networks (GNNs) have emerged as an effective tool for fraud detection, identifying fraudulent users, and uncovering malicious behaviors. However, attacks against GNN-based fraud detectors and their risks have rarely been studied, thereby leaving potential threats unaddressed. Recent findings suggest that frauds are increasingly organized as gangs or groups. In this work, we design attack scenarios where fraud gangs aim to make their fraud nodes misclassified as benign by camouflaging their illicit activities in collusion. Based on these scenarios, we study adversarial attacks agai

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H. Tega, Willliams, and Adeyanju O. David. "The Impact of Fraud on Financial Performance of Deposit Money Banks: Evidence from Nigeria." Sumerianz Journal of Business Management and Marketing, no. 41 (January 29, 2021): 12–16. http://dx.doi.org/10.47752/sjbmm.41.12.16.

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This study demonstrated new evidence sustaining the idea that the issue of fraud has a long history and that fraud in deposit money banks affect performance when fraud are proxied with data extracted from inappropriate auditing process, peer group pressure, computer fraud and management looting using the Generalized Least Square Method (GLS) and the z-statistics as method of data analysis. The data used in the study were adjusted with the Jarque-Bera test of normality to remove any form of spurious result as variable normality is a standardized requirement for any linear model while the cronba

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Musthofa, Kamal, and Alvita Hikmatul Laily. "GHARAR DALAM TA`ARUF ONLINE SERTA DAMPAKNYA PADA KELANGSUNGAN AKAD PRESPEKTIF HUKUM PERDATA DAN FIQIH EMPAT MADZHAB." Minhaj: Jurnal Ilmu Syariah 3, no. 2 (2022): 159–77. http://dx.doi.org/10.52431/minhaj.v3i2.1056.

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Ta'aruf is an effort to explore pre-marital relations between men and women in accordance with Islamic law, where the two prospective unmarried couples are expected to get to know each other, facilitated by intermediaries who know each candidate. The concept of ta'aruf is growing along with the development of the digital era. It is not only facilitated by intermediaries but ta`aruf can also be done online through websites, social media, or application. But the fraud is often occur in ta`aruf online. This research due to know more about the fraud in Muzz as an online ta`aruf app in the world. B

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İli, Burak. "Analysis of Complaints Regarding Cryptocurrency Investment Fraud: An Evaluation from the Perspective of New Media Literacy." Iğdır Üniversitesi Sosyal Bilimler Dergisi, no. 38 (January 20, 2025): 214–29. https://doi.org/10.54600/igdirsosbilder.1580718.

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The aim of this research is to raise awareness regarding cryptocurrency fraud. In this context, the study focuses on cryptocurrency investment frauds and provides an evaluation from the perspective of new media literacy. Throughout the research process, a total of 969 complaints were analyzed under the categories of "Cryptocurrency Investment Fraud" and "Cryptocurrency and Victim Complaints" on the Şikayetvar platform. Adopting an exploratory approach, the complaints were coded under various themes using content and thematic analysis methods. The analysis process was conducted using MAXQDA 24,

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Khanineva, Olga V. "General Causes and Some Types of Fraud Committed With the Use of Information and Telecommunication Technologies in the Russian Federation." Ugolovnaya yustitsiya, no. 16 (2020): 28–31. http://dx.doi.org/10.17223/23088451/16/6.

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The article describes the main reasons for the increase in the number of registered frauds committed in the Russian Federation over the past 4 years and provides examples of the most common types of fraud committed with the use of information and telecommunication devices. The author analyzes the reasons for committing frauds using communication facilities and information and communication technologies, with the focus on their types, ways of commission, categories of citizens most susceptible to these crimes. The author lists the most common types of fraud and their nature and proposes improve

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Jones, David. "Fewer cash withdrawals — fighting ATM fraud?" Card Technology Today 16, no. 9 (2004): 16. http://dx.doi.org/10.1016/s0965-2590(04)00169-0.

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Hangáčová, Natália, and Tomáš Strémy. "Value Added Tax and Carousel Fraud Schemes in the European Union and the Slovak Republic." European Journal of Crime, Criminal Law and Criminal Justice 26, no. 2 (2018): 132–59. http://dx.doi.org/10.1163/15718174-02602005.

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The aim of this contribution is to elaborate on the institute of VAT frauds, with emphasis on Carousel frauds. This document provides compact information concerning VAT fraud schemes within the European Union, problems within the EU VAT system, which was put into force in 1993 and strategises how to tackle VAT frauds as well as de lege ferenda proposals, especially in a view of the European Commission’s proposed solution on the EU’s common system of VAT. This article focuses on details of functioning of the EU VAT system, it explains relevant sections of the Slovak Penal Code Act pointing out

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Samidha, Samidha Walvekar. "Impact of Banking Fraud Awareness Booklet Among The Students of Satara." Mobile and Forensics 5, no. 2 (2023): 15–20. http://dx.doi.org/10.12928/mf.v5i2.7881.

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With the growth of information and communication technology, the structure and nature of financial services delivery has also changed. Online banking or internet banking has emerged as a new and convenient way for using financial services like funds transfer, viewing account statement, bill payment, use of e-wallets etc. An upsurge in the use of devices connected with the internet and the convenience of online financial services has increased the risk of our hard-earned money being duped by cybercriminals. The main aim of this study is to assess the impact of Banking fraud awareness Book

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Sembiring Pelawi, Deni Ekel Ramanda, and Ahmad Saikhu. "DETECTION OF FRAUDULENT ATM TRANSACTIONS USING RULE-BASED CLASSIFICATION TECHNIQUES." JITK (Jurnal Ilmu Pengetahuan dan Teknologi Komputer) 10, no. 4 (2025): 961–69. https://doi.org/10.33480/jitk.v10i4.6401.

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The significant rise in ATM fraud—reflected in 130,472 suspicious transactions reported in Indonesia in 2022—highlights the urgent need for accurate and efficient real-time fraud detection systems. This study evaluates two complementary detection approaches using a dataset of 20,000 anonymized ATM transactions collected from XYZ Bank between January and December 2022, each labeled by internal fraud analysts as fraud or non-fraud. The models compared are a Rule-Based Classifier and a Decision Tree classifier. The Decision Tree demonstrates strong overall performance, achieving 98% accuracy, 75%

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Akman, Vedat, Berkan Acar, and Cevdet Kızıl. "Auditing Techniques to Avoid Cost Accounting Frauds." EMAJ: Emerging Markets Journal 10, no. 1 (2020): 60–66. http://dx.doi.org/10.5195/emaj.2020.210.

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Today, we observe the importance of accuracy of financial statements in every corporation. Accounting scandals have caused important losses both in the macro and micro levels. This issue proves the significance of financial statement accuracy. This accuracy is provided by the trust environment. Therefore, it is necessary to provide the required environment of confidence for financial markets to improve and function effectively against increasing accounting frauds gradually. That can only be possible by using different auditing techniques, running inventory counting such as cash and stock, esta

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Davies, David. "Special report on ATM fraud down under." Computer Law & Security Review 1, no. 5 (1986): 19–24. http://dx.doi.org/10.1016/0267-3649(86)90014-2.

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Gangadhar, J., Kumar Prashanth, VD Tejus, R. Chandrika, and K. M. Godavari. "Single ATM for Multiple Bank Accounts Using RFID." Journal of Scholastic Engineering Science and Management (JSESM), A Peer Reviewed Refereed Multidisciplinary Research Journal 4, no. 1 (2025): 67–75. https://doi.org/10.5281/zenodo.14789687.

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RFID-enabled ATMs offer a streamlined and secure way to manage multiple bank accounts.  Instead of juggling numerous cards, users can access all their accounts with a single RFID card or mobile device.  Tapping this device on the ATM instantly connects to the bank's network, allowing users to select the desired account.  This eliminates the need for multiple PINs and reduces transaction time.  RFID technology enhances security through encryption and advanced authentication, minimizing the risk of card skimming and fraud.  This unified access simplifies banking, especia

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Rana, Ankit. "Bank Management System and ATM Simulation." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44885.

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The evolution of banking infrastructure has necessitated the integration of advanced security mechanisms, real-time transaction processing, and scalable architectures to enhance financial operations. This paper explores the modern Bank Management System (BMS) and ATM Simulation, emphasizing their role in ensuring transactional efficiency, cybersecurity, and fraud detection. Unlike traditional banking models, contemporary systems leverage AI-driven risk assessment, blockchain-based data security, and quantum-resistant encryption to mitigate cyber threats and optimize banking workflows. Addition

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Lalić, Srđan, Željana Jovičić, and Tanja Bošnjaković. "The most common examples of financial fraud in Bosnia and Herzegovina: A practical insight." Journal of Forensic Accounting Profession 1, no. 2 (2021): 80–88. http://dx.doi.org/10.2478/jfap-2021-0010.

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Abstract The aim of this paper is to shed light on the two most common examples of financial fraud, which occur in most businesses in Bosnia and Herzegovina. The causes and consequences of the mentioned financial frauds will be analyzed, as well as the reasons why they were not procedurally discovered in time. The first example is related to the inflow of money from abroad, which creates doubts about merits, while the second example is related to the presentation of operating losses and reduced tax liabilities of related legal entities. Each of the examples will be analyzed in detail in terms

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Burianova, Olga. "Value Added Tax Fraud in the Judgments of the Court: Why We Should Know Our Business Partners?" Advances in Image and Video Processing 12, no. 3 (2024): 353–60. http://dx.doi.org/10.14738/aivp.123.17062.

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This article analyses the judgment of the Supreme Administrative Court, which concerns carousel fraud in Value Added Tax. In particular, it examines the issue of supplier-customer relationships in defined types of markets where carousel fraud can be traced. The aim of the paper is to analyse the judgment of the Supreme Administrative Court and to point out the threat of wrongly selecting a supplier and the threat to added value in economic activity. The resulting question is: Why should we know our business partners? The results of this paper can be a lesson for entrepreneurs, but also for oth

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