What does the term "non-shareable financial need" refer to in Cressey's model?

The term "non-shareable financial need" in Cressey's model refers specifically to financial issues that individuals feel they cannot disclose to others, such as family members, friends, or colleagues. This concept is crucial in understanding why individuals may resort to unethical behavior or fraud. When someone has financial troubles that they believe are too shameful or complicated to share — whether due to societal stigma, a fear of judgment, or a desire to maintain a certain image — they may feel a sense of isolation. This emotional state can drive individuals to seek deceptive means of addressing their financial needs.

Cressey's model posits that the combination of certain pressures (such as financial strain), perceived opportunities for committing fraud, and rationalizations can lead to fraudulent behavior. A non-shareable financial need creates the pressure necessary for the individual to find alternative ways to resolve their issues, which may ultimately involve fraudulent actions. This understanding is vital for designing effective fraud prevention strategies, as addressing the underlying pressures can help mitigate the risk of fraud occurring.