Today, many people prefer online payment methods due to the rapid growth in cashless electronic transactions. Credit and debit cards are the most popular electronic payment methods but are prone to fraud due to the nature of their use and the tendency of fraudsters to access their details. This study proposes a theoretical credit fraud detection and prevention model using a Decision Tree Algorithm (DCA). Moreover, a survey questionnaire was used to investigate students' perceptions of credit card fraud incidents. Data were collected from 102 students from different universities and countries around the world. The results showed that 95.9% of the respondents knew how credit/debit card fraud occurs, while 4.1% of them did not. Finally, 81.6% expressed their willingness to use a tool based on the proposed model to prevent or detect credit/debit card fraud incidents.
There is an disagreement that traditional learning is the best way of maintaining a learning process. Other models are always considered to be lower or less efficient. There is no finding to support this argument, and research shows that eLearning models are at least as good as traditional learning. Therefore, the eLearning includes advantages which are not found in traditional learning, such as: time for digesting the information and responding, enhanced communication among the learners, both as regards quality and as regards urgency, knowledge being acquired and transferred among the learners themselves, the ability to conduct an open discussion, where each learner gets more of an equal standing than in a face-to-face discussion, access to information and to discussion ability, responses may be made around the clock with no restrictions, a higher motivation and involvement in the process on the part of the learners Most corporations are constantly looking for less cost methods to deliver training to their participants with possible maximum quality. E-learning is less expensive than traditional classroom instruction, but the quality to deliver training most often is degraded. Achieving both of the two objectives namely, cost and quality is not an easy task since the two objectives are conflicting to each other. Indeed, selecting E-learning or traditional classroom or mixed of them should be based on some criteria. An investigation and analysis to deliver training is made in order to deliver training in an optimized cost and quality according to the criteria set that can be determined in this study.
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