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dc.contributor.authorSaha, Partha
dc.contributor.authorMahanti, Ambuj
dc.contributor.authorChakrabarty, B.B.
dc.contributor.authorParameswaran, N.
dc.descriptionPartha Saha, Indian Institute of Management Calcutta, Kolkata; Ambuj Mahanti, Department of Management Information Systems, Indian Institute of Management Calcutta, Kolkata; Chakrabarty B.B., Indian Institute of Management Calcutta, Kolkata; Parameswaran N., University of NSW, Sydney, Australia;
dc.descriptionISSN/ISBN - 978-1-4673-5933-7 ; Electronic ISBN:978-0-7695-4892-0
dc.descriptionDOI - 10.1109/HICSS.2013.36
dc.description.abstractWith the proliferation of CBS (Core Banking Service) into various digital channels, the Indian banking sector has witnessed an alarming spectre of fraud. Information asymmetry amongst different agents is the root cause of fraud. In this paper, we propose a logical framework involving multiple agents of different personality types. The agents have different trust quotients for co-agents and information coming from various trust-deficit channels connecting them. A procedural framework based on third party independent authentication on agents' activities is proposed. We also present a case study on customer reimbursement patterns in automobile loan segment. We show how a robust credit appraisal model, coupled with strict monitoring of loan reimbursement and loan recovery strategies achieve reduction of NPA (Non-Performing Assets) of the bank to an acceptable level.
dc.publisher2013 46th Hawaii International Conference on System Sciences ; IEEE
dc.publisherHawaii, USA
dc.relation.ispartofseries7-10 January
dc.subjectData models
dc.subjectCommunication channels
dc.subjectMathematical model
dc.titleA formal analysis of fraud in banking sector
dc.typeConference Paper
Appears in Collections:Management Information Systems

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