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Determinants of bank's risk exposure to new account fraud - Evidence from Germany

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Hartmann-Wendels, Thomas ; Mählmann, Thomas ; Versen, Tobias:
Determinants of bank's risk exposure to new account fraud - Evidence from Germany.
In: Journal of banking & finance. 33 (2009) 2. - S. 347-357.
ISSN 0378-4266

Volltext

Link zum Volltext (externe URL): http://dx.doi.org/10.1016/j.jbankfin.2008.08.005

Kurzfassung/Abstract

This paper studies empirically the determinants of new account fraud risk within two dimensions: the probability of fraud, and the expected and unexpected (monetary) loss-per-account due to fraud. By fraud risk, we mean the risk that a bank fails to enforce a debt because the identity of the person incurring the debt cannot be ascertained. Using a unique and rich data set of account applicants, provided by a German Internet-only bank, we find that fraud risk is highly sensitive to demographic and socio-economic variables like nationality, gender, marital status, age, occupation, and urbanisation. For example, foreigners are 22.25 times more likely to commit account fraud than Germans, and men are 2.5 times more risky than women.

Weitere Angaben

Publikationsform:Artikel
Institutionen der Universität:Wirtschaftswissenschaftliche Fakultät > Betriebswirtschaftslehre > Lehrstuhl für Allgemeine Betriebswirtschaftslehre, Finanzierung und Banken
Peer-Review-Journal:Ja
Titel an der KU entstanden:Nein
Eingestellt am:18. Jan 2013 10:30
Letzte Änderung:06. Jun 2013 15:08
URL zu dieser Anzeige:http://edoc.ku-eichstaett.de/11823/