Please use this identifier to cite or link to this item: https://hdl.handle.net/10321/3573
Title: The modus operandi of perpetrators for credit card fraud in the Vaal Region, South Africa
Authors: Maluleke, Witness 
Motseki, Moses Morero 
Mokwena, Rakgetse John 
Dlamini, Siyanda
Keywords: Credit card fraud;Fraud;Modus operandi;Criminal justice system
Issue Date: 1-Jan-2021
Publisher: Informa UK Limited
Source: Maluleke, W., Motseki, M.M., Mokwena, R.J. and Dlamini, S. 2021. The modus operandi of perpetrators for credit card fraud in the Vaal Region, South Africa. Cogent Social Sciences. 7(1): 1930337-1930337. doi:10.1080/23311886.2021.1930337
Journal: Cogent Social Sciences; Vol. 7, Issue 1 
Abstract: 
Card payments in South Africa continue to be a predominant part of the
National Payments System in an evolving payments ecosystem. Due to the growing
volume of electronic payments, the monetary strain of credit card fraud is turning
into a substantial challenge for financial institutions and service providers, thus
forcing them to continuously improve their fraud detection systems. This article
attempts to explain the Modus Operandi (MO) of perpetrators of credit card fraud in
the Vaal Region in South Africa. The article begins with an examination of the extent
of the challenge and response by the relevant stakeholders, especially the Criminal
Justice System (CJS). This study was carried out utilising a qualitative research
approach with a convenience, purposive and snowball sampling techniques. Thirtynine (39) interviews were conducted to solicit the views of the participants and
police investigators from Vanderbijlpark, Sebokeng, Sharpeville and Vereeniging
police stations, members of the community, and victims of credit card fraud were
interviewed. These interviews were analysed according to the phenomenological
approach, aided with the inductive Thematic Content Analysis (TCA) to identify the
participants’ responses and themes. The findings indicated that the extent of credit
card fraud in Vaal region is reaching alarming rates. Based on the findings, the authors provided recommendations such as: police investigators being taken for
regular workshops and training on how to investigate sophisticated methods used
by perpetrators such as technology, awareness in the society about credit card
fraud should be prioritised and enhanced.
URI: https://hdl.handle.net/10321/3573
ISSN: 2331-1886 (Online)
DOI: 10.1080/23311886.2021.1930337
Appears in Collections:Research Publications (Arts and Design)

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