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Réduction des usurpations d'identité dans le secteur financier au Kenya: vérification des signatures
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ISBN10: 6208885957
ISBN13: 9786208885953
Publisher: Editions Notre Savoir
Published: Jul 19 2025
Pages: 84
Weight: 0.27
Height: 0.20 Width: 6.00 Depth: 9.00
Language: French
ISBN13: 9786208885953
Publisher: Editions Notre Savoir
Published: Jul 19 2025
Pages: 84
Weight: 0.27
Height: 0.20 Width: 6.00 Depth: 9.00
Language: French
La vérification de signature est la forme d'identification la plus importante dans de nombreux secteurs financiers. Au Kenya, les coopératives d'épargne et de crédit sont devenues les principaux secteurs financiers. Elles accordent des prêts à des taux abordables, ce qui constitue leur principal argument de vente. Beaucoup de gens préfèrent donc ces sociétés. Ceux qui obtiennent des prêts ont tendance à profiter des personnes qui se portent garantes pour eux. Ainsi, cet ouvrage établit l'existence de problèmes d'usurpation d'identité dans le secteur financier, plus précisément dans le domaine des prêts, et propose un algorithme qui permet d'atténuer ces problèmes en vérifiant les signatures sur les formulaires de prêt à l'aide de l'algorithme proposé, puis en comparant les résultats avec la vérification effectuée quotidiennement par des experts humains. D'après les données qualitatives recueillies auprès des quatre SACCO étudiées, 93 % des personnes interrogées savaient que la falsification de signature existait au sein des SACCO et, parmi celles-ci, 95 % avaient été victimes d'usurpation d'identité et 50 % l'avaient découvert après avoir constaté des prélèvements sur leur compte. Groupes cibles: étudiants, chercheurs, secteur financier, experts judiciaires, SACCO.
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