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Journal articles on the topic 'Problem of bank frauds'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Bhasin, Madan Lal. "Challenge of mitigating bank frauds by judicious mix of technology: Experience of a developing country." Economics, Management and Sustainability 1, no. 1 (2016): 23–41. https://doi.org/10.14254/jems.2016.1-1.3.

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Banks are the engines that drive the operations in the financial sector, money markets and growth of an economy. With the rapidly growing banking industry in India, frauds in banks are also increasing fast, and fraudsters have started using innovative methods. A questionnaire-based survey was conducted in 2013-14 among 345 bank employees to know their perception towards bank frauds, degree of their compliance level, and integration of technology to detect, control and prevent frauds. This study provides discussion of the attitudes, strategies, and the technology that bank specialists will need

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2

Elumaro, Adegboyega J., and Tomola M. ObamuYI. "Card Frauds and Customers’ Confidence in Alternative Banking Channels in Nigeria." European Scientific Journal, ESJ 14, no. 16 (2018): 40. http://dx.doi.org/10.19044/esj.2018.v14n16p40.

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The need to reduce banks’ operating costs and improve customer satisfaction has led to the deployment of Alternative Banking Channels (ABCs), through which banking transactions are performed. The Nigerian banking industry has aligned with this global trend leading to increased usage of ABCs by customers. However, fraudsters are taking advantage of this development to defraud unsuspecting customers resulting in customers’ loss of confidence. Arising from this problem, this paper investigated the effect of card frauds on customers’ confidence in ABCs in Nigeria. The study employed data obtained

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3

Hetal, Kherala. "FORENSIC ACCOUNTING: NEEDS TO PROTECT INDIVIDUAL AND BANKS FROM ON-LINE FRAUDS." An International Quarterly Referred Journal : Research Zone India 1, no. 1 (2018): 209–15. https://doi.org/10.5281/zenodo.5121175.

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In today’s era, where every one of us is talking about digitalization on-line banking frauds can befall anyone, they can range from few thousands to lakhs of rupees. All have started using their digital mode of payment and here the chances of frauds are increasing due to lack of strong and unbreakable technical system support. Here, a forensic accounting can solve the problems of individual as well as of banks up to a certain extent. We all know that forensic accounting is an emerging discipline in response to an increase in financial crimes such as money laundering, embezzlement, briber

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Sharma, Neha, Dhiraj Sharma, and Arun Aggarwal. "Internet of Things and Banking Frauds-Friends or Foes? A Study of Indian Public and Private Sector Banks." Journal of Computational and Theoretical Nanoscience 17, no. 6 (2020): 2596–604. http://dx.doi.org/10.1166/jctn.2020.8935.

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Ever since the introduction of banking business in this complex structure of human living, banks are believed to be one of the institutions which are recommended for trustworthiness and treasure repositories for the general public. These are the institutions which were and are still trusted for their veracity by the civilians of every nation. However, with the passage of time the increase in the technology results in the virtue of banking organization which seems to be under a big question mark and the main reason of this integrity loss of banking organizations in the present era is an epidemi

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Febriansyah, Artha, Ishandi Saputra, and Arief Syafrianto. "INDONESIAN CRIMINAL POLICY AGAINST FRAUD IN THE BANKING FIELD." Sriwijaya Crimen and Legal Studies 1, no. 2 (2023): 100. https://doi.org/10.28946/scls.v1i2.2921.

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Various fraud cases in the banking sector have recently tarnished the meaning of banking as a pillar of national economic development. Regulations regarding handling fraud have also been regulated in several regulations, such as the Criminal Code, the Banking Law, and other special regulations. So, an institution that is expected to restore stability to the national economy was formed, known as the Financial Services Authority. OJK and Bank Indonesia can coordinate and cooperate in joint supervision of financial services activities in the banking sector. This research looks at Indonesian crimi

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Caprian, Iurie, and Mihail Gîrlea. "The particulars of using machine learning to detect banking fraud." Studia Universitatis Moldaviae. Seria Ştiinţe Umanistice, no. 11(3) (October 2024): 37–42. http://dx.doi.org/10.59295/sum11(3)2024_06.

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Fraud remains a classic problem for the global banking industry, which has a general trend of permanent amplification and qualitative change. Along with this, modern banking is related to the use of an increasing volume of data related to the activity of financial markets, banking institutions and their customers. In these conditions, the implementation of new artificial intelligence technologies and, in particular, machine learning, for the timely detection of existing anomalies related to the potential existence of fraud, becomes relevant. Machine learning is about building computer systems

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7

Mrs, Sunindita Pan. "Analysis of Frauds in Indian Banking Sector." International Journal of Trend in Scientific Research and Development 4, no. 3 (2020): 70–73. https://doi.org/10.5281/zenodo.3892395.

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Indian economy is one of the worldâ€™s fastest growing economies with special growth of banking sector in the past few decades. Banking sector is the backbone of any economy. The Indian banking sector has experienced considerable growth since the introduction of financial sector reforms and liberalisation of economy in 1991. Though the banking industry is well regulated by Reserve Bank of India, still the sector suffers from financial distress. This study endeavours to cover banking frauds. In this article, author analyses the current financial difficulties in the banking sect

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Venkata Suryanarayana, S., G. N. Balaji, and G. Venkateswara Rao. "Machine Learning Approaches for Credit Card Fraud Detection." International Journal of Engineering & Technology 7, no. 2 (2018): 917. http://dx.doi.org/10.14419/ijet.v7i2.9356.

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With the extensive use of credit cards, fraud appears as a major issue in the credit card business. It is hard to have some figures on the impact of fraud, since companies and banks do not like to disclose the amount of losses due to frauds. At the same time, public data are scarcely available for confidentiality issues, leaving unanswered many questions about what is the best strategy. Another problem in credit-card fraud loss estimation is that we can measure the loss of only those frauds that have been detected, and it is not possible to assess the size of unreported/undetected frauds. Frau

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SHELMENKOV, VALENTIN N. SHELMENKOV. "Information security in remote banking." Proceedings of the Institute of State and Law of the RAS 15, no. 3 (2020): 188–204. http://dx.doi.org/10.35427/2073-4522-2020-15-3-shelmenkov.

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Improving the technology for providing banking services via the Internet opens up a promising market for remote banking systems, which, in turn, leads to an increase in the number of frauds in this area, in this paper considered the main threats to information security in the banking system, protection and combating fraud in the provision of remote banking services, which are lacking for the appropriate protection of bank funds, as well as to identify ways to solve existing problems in the legislation to achieve security in a financial institution.

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10

Rahmayati, Rahmayati, and Khairunnisa Khairunnisa. "Agency Problem Handling Strategy in Shariah Bank." IQTISHODUNA: Jurnal Ekonomi Islam 12, no. 1 (2023): 199–208. http://dx.doi.org/10.54471/iqtishoduna.v12i1.2272.

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In the period 2018 - 2020 there were 21, 8 and 26 findings of internal fraud cases at Bank Muamalat in the GCG report. Meanwhile, in BNI Syariah there are 8 to 9 findings of internal fraud contained on the official BNI Syariah website. Sharia Bank is a banking institution that is carried out based on sharia principles. Therefore, this study outlines various problems that may cause agency problems in Islamic banks. This research uses ANP research methods to describe problems and find solutions related to Agency Problems in Islamic Banking. The main problem causing the Agency Problem is the lack

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11

Caprian, Iurie. "The Use of Machine Learning for the Purpose of Combating Bank Fraud." Business Inform 7, no. 546 (2023): 140–45. http://dx.doi.org/10.32983/2222-4459-2023-7-140-145.

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Machine learning is a specific field of artificial intelligence that allows an information system to learn and improve itself autonomously using neural networks and deep learning, without the need for explicit programming, by ingesting large amounts of data. With the deepening of banking activity at the global level in cyberspace, the problems of a different kind, which are considered bank frauds, have become substantially more acute. Combating them required the examination of a gigantic volume of information, which as a task can only be achieved with artificial intelligence solutions, includi

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Du, Haichao, Li Lv, An Guo, and Hongliang Wang. "AutoEncoder and LightGBM for Credit Card Fraud Detection Problems." Symmetry 15, no. 4 (2023): 870. http://dx.doi.org/10.3390/sym15040870.

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This paper proposes a method called autoencoder with probabilistic LightGBM (AED-LGB) for detecting credit card frauds. This deep learning-based AED-LGB algorithm first extracts low-dimensional feature data from high-dimensional bank credit card feature data using the characteristics of an autoencoder which has a symmetrical network structure, enhancing the ability of feature representation learning. The credit card fraud dataset comes from a real dataset anonymized by a bank and is highly imbalanced, with normal data far greater than fraud data. For this situation, the smote algorithm is used

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13

Truntsevskiy, Yuriy V. "MODERN CHALLENGES OF BANK FRAUD TO THE FINANCIAL SUPPORT OF E-COMMERCE." Banking law 6 (December 10, 2020): 28–36. http://dx.doi.org/10.18572/1812-3945-2020-6-28-36.

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The article presents the results of scientific development in Russia of the problem of counteracting bank fraud, identifies modern trends in the development of bank fraud, as well as possible corporate measures to prevent this type of financial crime in banks. The coronavirus crisis increases the risk of bank fraud, including in the field of e-commerce. Bank fraud is considered as crimes of “white collar” — employees (consultants) of the bank, using their professional opportunities to perform (service) banking operations and other transactions, contrary to corporate culture and values.

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Repetskaya, Anna, and Lyudmila Petryakova. "Victimological Characteristics of Fraud in the Banking Sphere (Based on the Materials from Siberian Federal District)." Russian Journal of Criminology 16, no. 4 (2022): 452–62. http://dx.doi.org/10.17150/2500-4255.2022.16(4).452-462.

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The article presents an analysis of victimological characteristics of bank fraud committed in Siberian Federal District in 2015-2021. The research results reveal a high level of victimization from bank fraud in Siberian Federal District, and show that the structure of victimization is dominated by fraud with the use of electronic means of payment. The authors draw attention to a specific feature of the victims of this type of fraud, who could be both physical and juridical persons. It was determined that in the time period under consideration, juridical persons were mainly victims of fraud in

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15

EFUNTADE, Alani Olusegun, and Olubunmi Omotayo EFUNTADE. "Internet Payment System, Forensic Accounting and Forensic Investigation: 3M Theory in the Financial Frauds." Journal of Accounting and Financial Management 9, no. 7 (2023): 115–30. http://dx.doi.org/10.56201/jafm.v9.no7.2023.pg115.130.

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In view of the rapid development in internet payment system and information and communication technology (ICT) that is changing banks mode of payment operations and bringing innovations to banking transactions, and even the method fraudsters operate as well as the likely effects of their activities on the banks and customers if not tackled, t h i s e x p l o r a t o r y p a p e r e x p l o r e s f orensic accounting, forensic investigation, digital environment, 3M (Manipulation, Misrepresentation, Misapplication) Theory in the Financial Frauds, electronic payment risk management, data mining t

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16

Marek R. Ogiela and Piotr Sułkowski. "Security Threats in Electronic Currency Exchange Protocols." Research Briefs on Information and Communication Technology Evolution 1 (January 15, 2015): 43–50. http://dx.doi.org/10.56801/rebicte.v1i.6.

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In this paper will be presented secure protocol improvement to the known David Chaum anonymouscurrency exchange procedure. We show its vulnerability to possible frauds after a digital coin is spentseveral times. In such case, the system cannot successfully determine how many times the coin wasspent and how many times the seller may faked the transaction. Finally in such attack the bank is notable to charge the real abuser. This limitation leads to the conclusion that the original system cannotbe securely used for irreversible off-line transactions. In this paper we try to solve this problem an

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17

V, Johnson. "Challenges of Indian Banks in the Emerging Scenario." RESEARCH REVIEW International Journal of Multidisciplinary 03, no. 10 (2018): 286–91. https://doi.org/10.5281/zenodo.1464907.

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Indian banks have scaled newer heights arguably to be reckoned as one of the dominant forces in the world banking arena backed by what is evident in terms of coverage, quantum of deposits, diversification of advances, risk management strategies, customer relationship management and extensive use of technology. The above settings enhanced the image of Indian banks by gaining the confidence of the depositors and other stakeholders, ensuring their sustainability and strong presence to dominate the Indian financial sector for the years to come. The increased use of technology, the presence of a la

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18

Flayyih, Hakeem Hammood, and Wided Khiari. "An empirical study to detect agency problems in listed corporations: The emerging market study." Journal of Governance and Regulation 12, no. 1, special issue (2023): 208–17. http://dx.doi.org/10.22495/jgrv12i1siart1.

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The aim of this paper is to shed the light on the concepts of agency theory by measuring one of the problems that arise from it, which is represented by earnings management (EM) practices. The research problem is demonstrated by the failure of some Iraqi banks and their subsequent placement under the supervision of the Central Bank of Iraq, which was attributed, in part, to the inadequacy of the agency model in protecting stakeholders in shareholding institutions, as well as EM, pushed professional institutions to adopt the corporate governance model as a method to regulate the problem of acco

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19

Mihsra, Kalikant. "Importance of Forensic Audit in Controlling Non-Performing Assets in Banks." Liberal Studies 3, no. 2 (2018): 223–33. https://doi.org/10.5281/zenodo.3592679.

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In the last two decades, a large number of scams, frauds and scandals have rocked the business fraternity across the world. The accounting scandals or manipulations in the books of accounts have led to big frauds like Enron, WorldCom, Madoff, Satyam, etc....This has created a crisis of confidence in the financial reporting practice and the effectiveness of ‘Corporate Governance’ in large companies. This has clearly demonstrated a failure of statutory audit in preventing and reducing misappropriation of corporate funds. This has resulted in an increase in corporate crimes, which in

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20

Sinichenko, Olesya A. "Misseling as a modern tool of unfair sales of banking products and services in commercial banks." Izvestiya of Saratov University. Economics. Management. Law 23, no. 1 (2023): 20–26. http://dx.doi.org/10.18500/1994-2540-2023-23-1-20-26.

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Introduction. Misseling has become a problem for commercial bank customers today. Misseling can be found both in large credit institutions and small banks. Formally, this is not a violation of the law, but, in fact, misleading of the client. In fact, there is a bank fraud when selling a banking product or service. Despite the fact that this phenomenon can be found in almost any bank to varying degrees of participation, from a scientific point of view it has not yet been sufficiently studied, although recently the Bank of Russia has made an attempt to regulate this process legislatively. Theore

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21

Kashina, Yu. "Features of crimes in the sphere of non-cash payments using bank cards." Bulletin of Science and Practice 4, no. 5 (2018): 574–82. https://doi.org/10.5281/zenodo.1246618.

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The paper shows some aspects of committing crimes in the field of electronic commerce through bank cards and shows the ways to normalize the criminal situation. One of the problems of the modern payment system is fraud in the sphere of cashless payments using bank cards. The solution of the problem should begin with a legislative level. In particular, it is important to bring the forensic and criminological characteristics in line with the legislative definition of fraud in this area. This will facilitate a clear qualification of such crimes.

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Priyanka, Sharma, and Pote Santoshi. "Credit Card Fraud Detection using Deep Learning based on Neural Network and Auto-encoder." International Journal of Engineering and Advanced Technology (IJEAT) 9, no. 5 (2020): 1140–47. https://doi.org/10.35940/ijeat.E9934.069520.

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Credit card fraud is an event problem and fraud detecting techniques getting more sophisticated each day. Mainly internet is becoming more common in almost every domain. Online transactions, shopping, and e-commerce are expanding step by step. Due to which in the online payment system, fraudulent activities have also increased. It has cost banks and their customers a loss of billions of rupees. The techniques used now a day detects the anomaly only after the fraud transaction takes place. The intruders have found ways to crack the system loopholes and defeat the security. These frauds are not

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Rishi, Rishi Vyas, and Hiresh Luhar Hiresh. "A Study on Risk Management in the Banking Industry." Journal of Global Economy 19, no. 2 (2023): 17–29. http://dx.doi.org/10.1956/jge.v19i2.687.

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Abstract:  The research paper is based on a study conducted on Risk Management in the Banking Industry with reference to the applicable tools and techniques. For undertaking the analysis of the risk management practices in the Banking Sector based on the secondary data. The emphasis of this paper was to study the complexities of Risk Management in the current scenario, its types & techniques to mitigate the adverse impact of each type. This research paper states about the different tools and techniques and methods used by banks to reduce the risk.  Keywords: Risk Ma

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Putra, Rio Vernika. "UPAYA PENCEGAHAN FRAUD PADA BANK BERPLAT MERAH YANG MERUGIKAN KEUANGAN NEGARA." Jurnal Magister Hukum Perspektif 12, no. 1 (2022): 13–24. http://dx.doi.org/10.37303/magister.v12i1.54.

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Fraud can occur anywhere and anytime including in red-plated banks (State-Owned Banks). As a place of money turnover, banking cannot be separated from criminal acts both general, civil, and corruption crimes because the Bank has a position that is vulnerable to abuse of authority either by employees on the front line such as tellers, costumer services, loan services or by branch heads even on the Board of Directors. The formulation of the issue raised is how the form of fraud prevention efforts, especially in State-Owned Banks related to the rescue of assets and wealth, is indicated to be detr

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Silvi Silovia and Diana Wiyanti. "Tanggung Jawab Hukum Agent Command Center atas Fraud dalam Perspektif Hukum Perbankan." Bandung Conference Series: Law Studies 5, no. 1 (2025): 243–50. https://doi.org/10.29313/bcsls.v5i1.15998.

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Abstract. Bank employees have an important role in the implementation of bank operations, this is a way for banks to maintain bank health and avoid losses. This study aims to identify the actions of the command center agent on the approval of the opening of dormant accounts to the contact center specialist so as to cause the withdrawal of customer funds including in the fraud category and understand the responsibility of the command center agent referring to the Banking Law linked to POJK No. 12 of 2024 concerning the Implementation of Anti-Fraud Strategies for Financial Services Institutions.

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Qayoom, Abdul, Wu Yadong, Wang Song, Sammar Abbas, and Nadeem Ghafoor. "A Deep Reinforcement Learning Framework for Detecting Fraudulent Bank Account Openings." Sir Syed University Research Journal of Engineering & Technology 14, no. 2 (2024): 85–92. https://doi.org/10.33317/ssurj.653.

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Online banking has become more popular and widespread. A huge number of customers open new bank accounts every day, which leads to a rise in fraudulent account openings. Many fraudulent activities related to this have been reported over time. It has remained a difficult task to detect fraudulent accounts efficiently. Artificial Intelligence (AI) is performing well in all the domains in the real world. So, the objective of this research is to build the most effective model to detect electronic financial transaction fraud in bank account opening. This research work aims to solve this problem (1)

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Kanda, Pajri, Saiful Saiful, and Lisa Martiah Nila Puspita. "FAKTOR YANG MEMPENGARUHI PEMBIAYAAN BERMASALAH GOLONGAN BERPENGHASILAN TETAP." JURNAL FAIRNESS 6, no. 1 (2021): 1–10. http://dx.doi.org/10.33369/fairness.v6i1.15114.

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The aim of this reaserch is to analyze the the influencing of fraud, poor management, internal problem between debtor and the company, Bad debtor attitude, abuse installments by coordinator on financing performance problems of fix income group debtors of Islamic bank.By using cluster sampling method, the 100 respondents were selected as a sample of the study. Using logistic regression analysis, this study found that fraud and debtor attitude influence on financing performance of fix income debtors. It mean that both fraud and debtor attitude can used to predict the non performing financing of

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Kulesza, Cezary. "Glosa do wyroku Sądu Najwyższego z dnia 17 października 2018 r. (II KK 73/18)." Studia Iuridica Lublinensia 29, no. 1 (2020): 291. http://dx.doi.org/10.17951/sil.2020.29.1.291-306.

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<p class="PreformattedText">The gloss refers to the problem of the impact of bank employees’ performance on borrowers’ liability for fraud. The author approves the view formulated in the thesis of the Supreme Court that the employees of the injured bank were obliged to exercise special diligence in checking the accuracy of the documents submitted by the accused necessary to obtain a loan. The position taken by the Supreme Court in the commented judgement can be considered as at least a partial departure from the previous jurisprudence of the Supreme Court accepting that the victim’s cont

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Prastita, Rizky Maharani. "Peran Ojk Dalam Proses Pengembalian Dana Nasabah Bank Yang Hilang Dan Keseuaiannya Dalam Perspektif Islam." Al-Irfan : Journal of Arabic Literature and Islamic Studies 1, no. 1 (2018): 121–40. http://dx.doi.org/10.36835/al-irfan.v1i1.3224.

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and the continuity of the bank's business activities. This trust must be maintained since the main capital of the bank comes from the public savings funds. In these days, many cases of loss of funds deposits due to fraud committed by the bank. The purpose of this study is to explain the role of the Financial Services Authority in the process of refunding customer deposits lost. Indonesian Government has established an independent institution which has the authority to do the regulations, supervision, inspection, and investigation of banks deemed to be detrimental to their customers. The role o

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Anisykurlillah, Indah, Indira Januarti, and Zulaikha Zulaikha. "The role of the audit committee and employee well-being in controlling employee fraud." Journal of Governance and Regulation 11, no. 4 (2022): 168–78. http://dx.doi.org/10.22495/jgrv11i4art16.

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Fraud is still a problem in the banking industry. Association of Certified Fraud Examiners (ACFE) reported that banks experienced the highest number of fraud cases compared to other types of businesses. This study aimed to demonstrate the effect of the audit committee’s size, gender, expertise, independence, and employee well-being on employee fraud. The study on fraud uses questionnaire data to identify employee fraud (Fathi, Ghani, Said, & Puspitasari, 2017; Nawawi & Salin, 2018). We complement the previous study by using the number of cases as an indicator of employee fraud. Using a

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Erlangga, Okyviandi Putra, and Imron Mawardi. "Pengaruh Total Aktiva, Capital Adequacy Ratio (CAR), Finance To Deposit Ratio (FDR) Dan Non Performing Financing (NPF) Terhadap Return On Assets (ROA) Bank Umum Syariah Di Indonesia Periode 2010-2014." Jurnal Ekonomi Syariah Teori dan Terapan 3, no. 7 (2017): 561. http://dx.doi.org/10.20473/vol3iss20167pp561-574.

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The purpose of this study is to analyze the impact of the variables firm size, liquidity, capital adequacy and financing fraud on Sharia Bank profitability in Indonesia by January 2010 until December 2014 period. Research using purposive sampling method for taking samples. Data obtained based on Bank of Indonesia published via Website realtime, obtained 60 samples.Research variables consisted of four independent variables and 1 dependent variable. Data analysing technique to answer research problem and examine research hypothesis using Double Linear Regression Analysis that supported by SPSS S

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Djama, Abdourahman Djamal. "An analytical assessment of credit card fraud detection techniques: Supervised, Unsupervised, and Reinforcement Learning." Herald of Dagestan State Technical University. Technical Sciences 51, no. 4 (2025): 23–32. https://doi.org/10.21822/2073-6185-2024-51-4-23-32.

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Objective. Bank card fraud is an increasingly serious problem for individuals, businesses and financial institutions. There is a need for effective fraud detection measures to protect consumers and businesses from financial losses. Method. information-theoretical analysis of methods for detecting fraud with bank cards, machine learning algorithms in improving the accuracy of fraud detection. Result. An analytical evaluation of fraud detection methods is provided, covering different learning approaches: supervised, unsupervised and reinforcement learning. Conclusion. The choice of a fraud detec

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Zhang, Jiayin. "Credit Card Fraud Detection Using Predictive Model." BCP Business & Management 38 (March 2, 2023): 2820–26. http://dx.doi.org/10.54691/bcpbm.v38i.4196.

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Credit card is a sign of credit that is given to customers with good credit by a commercial bank or credit card firm. It takes the shape of a card with signature blank space on the back and the name of the dissipated bank, expiration date, CVS number, and cardholder name on the front. A credit card is a payment card that can give the cardholders’ abilities to enable the cardholder to exchange for goods and services based on their credibility and debt score. In this paper, it will explore the credit card fraud detection predictive model to avoid fraudulent activity. Through different algorithms

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Hasmonel, Hasmonel. "Implementasi Perlindungan Hukum Dan Penyelesaian Perselisihan Transaksi Fraud Bagi Pemegang Kartu Kredit." Justicia Sains: Jurnal Ilmu Hukum 8, no. 2 (2023): 347–62. http://dx.doi.org/10.24967/jcs.v8i2.2559.

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The aim of this research is to discover, analyze and examine the practice/ implementation of legal protection for credit card holders and forms of consumer protection in resolving fraudulent transaction disputes. The research method used in this research is normative juridical using a qualitative approach. Apart from that, a literature approach and a statutory approach are also used which also include a conceptual approach and a case approach. Credit cards are a form of innovation in the banking business which is increasingly developing and banking transactions using credit cards a

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Purnomo, Joko Hadi. "Syariah Governance Pada Perbankan Syariah." JES (Jurnal Ekonomi Syariah) 1, no. 1 (2016): 1–15. http://dx.doi.org/10.30736/jes.v1i1.1.

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Shariah governance is concatenation of two concepts, these are the concept of good corporate governance and shariah compliance. The governance of banks applies the principle of transparency, accountability, responsibility, professionalism and fairness whereas shariah compliance is the duty of Islamic bank to meet compliance with Islamic principles. The operation of Islamic banks must strictly adhere to the provisions of shariah. The application of shariah governance is the implementation of good corporate governance principles and shariah compliance. The implementation of shariah governance in

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Thayib, Syahrul Ramadhan Thayib, and Irma Nuryani Inaku. "MANAJEMEN RISIKO KEUANGAN BANK PADA KASUS PENEMPATAN DANA NASABAH DI MAYBANK." Manajemen Keuangan Syariah 2, no. 2 (2022): 79–85. http://dx.doi.org/10.30631/makesya.v2i2.1346.

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Riskmanagement is a series of procedures or methods used to identify, measure, monitor and control risks arising from the bank's business activities. The implementation of risk management will provide better benefits to banks. For banks, the implementation of this risk management can increase shareholder value, as well as provide an overview to bank managers about the possibility of losses on the part of the bank in the future. Related to a problem or case that occurs in the banking world, one of which is a reporting case of losing money worth 20 billion rupiah which was lost because it was st

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Morrissey, Dan. "The EU’S Struggles with Collective Action for Securities Fraud." Texas A&M Law Review 7, no. 1 (2019): 125–52. http://dx.doi.org/10.37419/lr.v7.i1.3.

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Notwithstanding the apparent exit of the United Kingdom, the European Union (“EU”) has grown in membership and power since its modest beginnings after World War II, now rivaling the U.S. in economic strength. With the goal of promoting the security and prosperity of all the citizens of the countries that belong to it, the EU is pressing ahead to adopt laws that will promote their political and financial integration. Along those lines, it has also recently acknowledged a deficiency in the legal systems of its member states when it comes to allowing collective actions for victims of various type

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Hutagalung, Jessica Uly Sari, Kristin Trivena Sihombing, Michael Owen Hutabarat, and Syanti Irviantina. "Identifikasi Potensi Penipuan pada Transaksi Bank Menggunakan K-Means Clustering." Majalah Ilmiah METHODA 14, no. 3 (2024): 392–95. https://doi.org/10.46880/methoda.vol14no3.pp392-395.

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Increasing cases of fraud in bank transactions are a serious concern for financial institutions, resulting in significant economic losses and undermining customer trust. This calls for identifying suspicious transaction patterns through machine-learning approaches to mitigate the risk of fraud. The methods used include problem identification, transaction data collection, and preprocessing to clean and prepare the data and after that, applying the K-Means Clustering algorithm to group transactions based on similar characteristics. The evaluation result obtained in this study using the Silhouett

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Gomonova, O. A., and S. A. Ivanov. "Telephone fraud as a complex social problem." Sociology and Law 16, no. 1 (2024): 38–47. http://dx.doi.org/10.35854/2219-6242-2024-1-38-47.

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The article studies telephone fraud as a new type of crime and an acute social problem. Attention is drawn to the complex nature of the problem, as it should be considered in the plane of different disciplines: general jurisprudence, criminology, social psychology, social engineering, information technology. The Bank of Russia estimates the scale of spread of this type of crime and the amount of stolen money. According to statistics, the majority of fraudulent schemes are based on social engineering techniques. The results of a sociological survey of the population conducted under the guidance

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Dyatlov, G. A. "Comparative Analysis of the Telephone Fraud Liability in the Criminal Law of Russia and Foreign Countries Based on the Dynamics of Damage Example." Legal Order and Legal Values 2, no. 3 (2024): 61–67. http://dx.doi.org/10.23947/2949-1843-2024-2-3-61-67.

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Introduction. The telephone fraud is a serious problem faced both in Russia and abroad. With the development of digital technologies and Internet, the fraudsters find the new ways to deceive citizens by calling them on the phone, pretending to be the representatives of banks, law enforcement agencies or other official institutions. The dynamics of damage caused by such crimes is constantly growing, therefore, the efficient measures should be taken to prevent and suppress fraud. The aim of the article is to conduct a comparative analysis of the criminal law with respect to telephone fraud liabi

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Liong, Kek. "Analisis Penerapan Good Corporate Governance PT Bank Central Asia Tbk." Jurnal Studi Pemerintahan dan Akuntabilitas 2, no. 1 (2022): 1–28. http://dx.doi.org/10.35912/jastaka.v2i1.1668.

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Abstract: Purpose: This study aimed to determine the extent of the application of principle Good Corporate Governance at PT Bank Central Asia Tbk. Besides aiming to determine the application of the principles of good corporate governance has applied to PT Bank Central Asia Tbk, this study also aims to analyze the constraints faced in the implementation of good corporate governance at PT Bank Central Asia Tbk. Method: This type of research is included in qualitative research using a case study approach. The data source in this study is secondary data, namely data obtained through a review of se

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Hermawan, Dadang. "Membangun Kesadaran Hukum: Penyuluhan tentang Dampak Buruk Bank Emok bagi Masyarakat di Desa Pasirgombong Cikarang Utara Bekasi." Musyarokah: Jurnal Hukum dan Ekonomi Islam 2, no. 1 (2024): 24–33. https://doi.org/10.64173/msyr.v2i1.131.

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Community-based financial fraud, such as emok bank practices, has become a serious problem in various regions, with detrimental social and economic impacts on communities. This research aims to build legal awareness regarding the dangers of Bank Emok through intensive education to the public. Emok banks, which often operate by claiming to provide high financial profits in a short time, actually hide the risk of large losses and potential criminal acts. This research method involves a qualitative approach by analyzing the identified Emok Bank cases, as well as a survey to measure the level of c

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Yuliar, Ade, and Dita Andraeny. "THE ROLE OF LEADERSHIP, CORPORATE CULTURE REINFORCEMENT, AND HUMAN CAPITAL DIVISION IN PREVENTING FRAUD STUDY ON ISLAMIC BANKS." Asia Pacific Fraud Journal 5, no. 2 (2020): 233. http://dx.doi.org/10.21532/apfjournal.v5i2.161.

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The rapid growth of Islamic Banking in Indonesia raises the risk of fraud as happened in Islamic Bank X in the last few years, in which the trend continues to increase. This study aims to unravel the root of fraud problem in Islamic Banking and strive to provide appropriate solutions in the prevention of fraud through qualitative approach. This study provides a formulation of role model and leadership policy through the reinforcement of organizational culture and the role of Human Capital Division as a step in the prevention of fraud.

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Goncharov, A. A. "CONSTITUENT ELEMENTS OF EMBEZZLEMENT FROM A BANK CARD: THE PROBLEMS AND CRIMINAL ASPECTS." Vektor nauki Tol’attinskogo gosudarstvennogo universiteta. Seria Uridicheskie nauki, no. 3 (2021): 20–25. http://dx.doi.org/10.18323/2220-7457-2021-3-20-25.

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The current structure of a criminal law specifying the constituent elements of embezzlement from a card is imperfect concerning both the disposition and sanctions for a committed crime. The researchers fairly emphasize the urgency of the problem but consider commonly every method of embezzlement of money from a card apart from others, not proposing complex measures to eliminate contradictions arising in the process of study. Although the researchers recognize theft and fraud as equivalent crimes in the degree of danger to the public, to identify the responsibility level, it is necessary to det

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Goncharov, A. A. "CONSTITUENT ELEMENTS OF EMBEZZLEMENT FROM A BANK CARD: THE PROBLEMS AND CRIMINAL ASPECTS." Vektor nauki Tol’attinskogo gosudarstvennogo universiteta. Seria Uridicheskie nauki, no. 3 (2021): 20–25. http://dx.doi.org/10.18323/2220-7457-2021-3-20-25.

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The current structure of a criminal law specifying the constituent elements of embezzlement from a card is imperfect concerning both the disposition and sanctions for a committed crime. The researchers fairly emphasize the urgency of the problem but consider commonly every method of embezzlement of money from a card apart from others, not proposing complex measures to eliminate contradictions arising in the process of study. Although the researchers recognize theft and fraud as equivalent crimes in the degree of danger to the public, to identify the responsibility level, it is necessary to det

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Shonhadji, Nanang. "The Determinant of Whistleblowing Intention in the Case of Bank Fraud." Binus Business Review 12, no. 2 (2021): 151–64. http://dx.doi.org/10.21512/bbr.v12i2.6593.

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Banking transactions in Indonesia have experienced very rapid development in line with the need for financing in the real sector. However, along with this rapid development, fraud is still a classic problem in the banking sector. The research aimed to empirically prove the effect of professional commitment, moral courage, idealism, and altruistic values on the intention to do whistleblowing. In addition, the research also investigated whether the locus of control was a variable that moderated the relationship. A quantitative research method using questionnaire instruments was used for data col

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Dr., Ameya Madhukar Rane. "CUSTOMERS' CONSCIOUSNESS ABOUT FINANCIAL CYBER FRAUDS IN ELECTRONIC BANKING: AN INDIAN PERSPECTIVE WITH SPECIAL REFERENCE TO MUMBAI CITY." Scholarly Research Journal for Humanity Science & English Language, 11, no. 58 (2023): 420–32. https://doi.org/10.5281/zenodo.8240925.

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<em>The use of Machine Learning and Deep Learning techniques has become pervasive in areas of finance, such as trading, mobile banking, payments, and granting of credit to customers. Moreover, these methods are essential in dealing with financial offenses, fraud, and cyberattacks. Cybercrime is on the rise and cybercriminals are taking advantage of hacking and social engineering strategies to undermine the security systems of financial and corporate establishments. It is troublesome to recognize financial cybercrime activities. Banks and other financial organizations have to confront not just

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Wicaksono, Hadi, Siswantari Pratiwi, and Saefulloh. "LEGAL PROTECTION OF CUSTOMERS/INVESTORS FROM FRAUD CRIMES COMMITTED BY INDIVIDUALS AND NON-BANK FINANCIAL INSTITUTIONS." JILPR Journal Indonesia Law and Policy Review 5, no. 3 (2024): 539–43. http://dx.doi.org/10.56371/jirpl.v5i3.278.

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Illegal investment activities are carried out by collecting funds from the wider community by deviating or even avoiding banking regulations, which are activities that use public facilities to carry out their business activities. Thus, it is necessary to look at the authority that the Financial Services Authority has in providing protection for the public against Illegal Investment activities. The practice of moral hazard in Illegal Investment activities occurs because of the weak supervision system of financial institutions. Problem Formulation What are the factors that cause the crime of ill

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BHASIN, MADAN LAL. "Satyam’s Manipulative Accounting Methodology Unveiled: An Experience of an Asian Economy." International Journal of Business and Social Research 6, no. 12 (2017): 35. http://dx.doi.org/10.18533/ijbsr.v6i12.1010.

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<p>Manipulative accounting practices are perennial and such practices have occurred in all eras, in all countries and affected millions of corporations. Unfortunately, there are few loopholes in accounting and auditing standards, which provide leeway and thus motivate accounting professionals to use aggressively manipulation practices. In fact, manipulative accounting (MA) involves the intentional cooking-up of financial records towards a pre-determined target. Every company indeed maneuvers the numbers, to a certain extent, as formally reported in its financial statements (FS) to achiev

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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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