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In some cases, the concept of fraud is very clear, such as cases in which a fraudster is clearly trying to pass off stolen credit cards or trying to steal goods going to another individual But not all fraudsters are hardened criminals In some cases, one who may look like a good consumer is actually nothing more than a fraudster For example, a consumer may believe he or she is smarter than a merchant and order a product with the intent of using it and returning it Or a consumer may order goods, receive them, and say he or she didn t receive them Some consumers, who are normally good consumers, don t believe these types of activities are actually fraud But to the merchant, the end result is no different than if a hardened criminal had used a stolen credit card.

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people implicitly or explicitly prefer one judgment over another (see also Kruglanski, 1990) A wide variety of motivations can determine which particular judgment is preferred in any given situation For example, if the reactance motive (Brehm, 1966) is aroused, people prefer to hold whatever judgment is forbidden If balance motives (Heider, 1958) are operating, people prefer to adopt the position of a liked source but distance themselves from a disliked source If impression management motives (Tedeschi, Schlenker, & Bonoma, 1971) are operating, people prefer to hold whatever position they think would be ingratiating Importantly, many of these biasing motives could have an impact on judgments by either the central or the peripheral route For example, invocation of reactance could lead to simple rejection of the forbidden position without much thought or through active counterarguing of the position.

What motivates a fraudster to commit fraud Money The thrill or danger involved Or is it the test of skill It really doesn t matter, as the intent is what I am concerned with the intent of taking goods or services by use of trick or device A broad set of consumers and merchants correlate the rise in credit card fraud online with identity theft In reality, identity theft is one of the oldest schemes in the book The fact is we are all just hearing more about it in the news today It may seem that identity theft is a new phenomenon of the Internet age, but in reality, one of the best ways to disappear throughout the ages was to adopt a new identity.

The ELM holds that biased processing can occur even if no speci c judgment is preferred (ie, if based on motivational factors alone, processing would be relatively objective) this is because ability factors can also introduce bias For example, some people might simply possess a biased store of knowledge compared to other people If so, their ability to process the message objectively can be compromised That is, recipients with a biased store of knowledge might be better able to see the aws in opposition arguments and the merits in their own side compared to recipients with a more balanced store of knowledge (cf Lord, Ross, & Lepper, 1979) In addition, variables in the persuasion situation can bias retrieval of information even if what is stored is completely balanced and no motivational biases are operating For example, a positive mood can increase access to positive material in memory (e.

1975 to 1979 and .12% from 1980 to 1984; the number has since leveled off at .12% to .13%. Thus, over the time period in question, academic publications examining self-esteem have doubled. One consequence of these cultural changes has been increases in self-esteem as measured by popular questionnaires. Twenge and Campbell (2001) found that college students scores on the Rosenberg Self-Esteem Scale rose more than a half a standard deviation between the late 1960s and the early 1990s. Children s scores on the Coopersmith Self-Esteem Inventory also increased from the early 1980s to the early 1990s. The authors argued that much of this change can be traced to the self-esteem movement and the general emphasis on the individual self in the larger society. Increases in assertiveness (Twenge, 2001b) and extraversion (Twenge, 2001a) complete the picture of a generation increasingly concerned with the self, individual rights, and self-expression. To sum up: The self cannot be fully understood without reference to culture, whether that culture differs with respect to region or with respect to time. Research on cultural differences has blossomed into an extensive and growing sub eld, while research on birth cohort and change over time is just beginning to be conducted. As Caspi (1987) argued, many aspects of development and personality must be understood within the context of time, because the larger sociocultural environment changes so much from decade to decade (also see Gergen, 1973). When we are born, grow up, and discover our adolescent and adult identities has a substantial effect on how we see the self as an entity.