Melinda D. Leierzapf
The Dying Check: Exploring the role of check fraud in the check’s decline from 2015 to 2018
This exhaustive quantitative research paper explored whether consumer experiences with check fraud influenced declined check use. Check usage in the U.S. peaked in 1995, steadily declining each year since. While only 5% of 2018 purchases were made by check, 78% of consumers owned checks (Foster et al., 2019). Longstanding trust of checks makes it susceptible to fraud. This original survey research built on findings that from 2015 to 2018 check usage declined by 24% but check fraud increased 6% (Foster et al., 2019; FTC, 2020), and Kahn & Liñares-Zegarra’s (2016) findings that certain types of identity theft decreased check usage.
Jessica Mbaz Mujing
The Factors and Motivations Leading to Fraud
The United States of America has been several times experiencing upheavals caused by fraudulent actions in powerful companies. There are lots of raising questions about the reasons why would individuals commit fraud. There have been numerous researches on the subject, attempting to answer those questions. The need to find a more in-depth understanding of the fraudsters’ motivations has led to different studies. This paper provides an overview of the factors of fraud that has been studied by some authors.
Last Updated June 16, 2020