Technological Perceptions and the Role of AI in Reducing Mortgage Fraud in the Accounting Department of the Savings and Credit Cooperatives of the Bolívar Province – Ecuador

The analysis of mortgage fraud and its incidence in the accounting department of the Savings and Credit Cooperatives of the Bolívar province, aimed to determine that the majority of mortgage frauds occur by obtaining credits with false documents, this occurs when there is no good control when making the mortgage loan.To carry out this study, field research and a quantitative and qualitative approach were addressed, the quantitative was applied to obtain percentage data of how much they knew about this mortgage fraud and the qualitative by using the descriptive and hermeneutic methods in the data collected and investigated.in the different primary sources of information through the survey of clients and members of the Savings and Credit cooperatives of the province, the secondary sources through the bibliographical survey.Subsequently, the data collected was tabulated, analyzed and interpreted; where it is noted that to make a mortgage loan they must always be real papers so that fraud does not occur.