Salcedo

3.1 Introduction Fraud is one of the most crucial ethical concerns in the credit card industry (Delamaire, Abdon, & Pointon, 2009). Fraud can occur with any type of credit products, such as personal loans, home loans, and in retails. Delamaire, Abdon, & Pointon (2009) defines fraud as means of obtaining services, goods and/or money in a dishonorable manner, and is a growing problem globally. Fraud deals with issues concerning criminal cases that are difficult to classify (Delamaire, Abdon, &…