文章基本信息

标题：Decision Tree Approach to Discovering Fraud in Leasing Agreements
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作者：Horvat, Ivan ; Pejić Bach, Mirjana ; Merkač Skok, Marjana 等
期刊名称：Business Systems Research
印刷版ISSN：1847-8344
电子版ISSN：1847-9375
出版年度：2014
卷号：5
期号：2
页码：61-71
DOI：10.2478/bsrj-2014-0010
语种：English
出版社：Udruga za promicanje poslovne informatike
摘要：Background: Fraud attempts create large losses for financing subjects in modern economies. At the same time, leasing agreements have become more and more popular as a means of financing objects such as machinery and vehicles, but are more vulnerable to fraud attempts. Objectives: The goal of the paper is to estimate the usability of the data mining approach in discovering fraud in leasing agreements. Methods/Approach: Real-world data from one Croatian leasing firm was used for creating tow models for fraud detection in leasing. The decision tree method was used for creating a classification model, and the CHAID algorithm was deployed. Results: The decision tree model has indicated that the object of the leasing agreement had the strongest impact on the probability of fraud. Conclusions: In order to enhance the probability of the developed model, it would be necessary to develop software that would enable automated, quick and transparent retrieval of data from the system, processing according to the rules and displaying the results in multiple categories.
关键词：decision tree; fraud detection; leasing fraud; cars; data mining; leasing agreements