<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>47</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Solichul Huda</style></author><author><style face="normal" font="default" size="100%">Tohari Ahmad</style></author><author><style face="normal" font="default" size="100%">Riyanarto Sarno</style></author><author><style face="normal" font="default" size="100%">Heru Agus Santoso</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Identification of process-based fraud patterns in credit application</style></title><secondary-title><style face="normal" font="default" size="100%"> 2nd International Conference on Information and Communication Technology (ICoICT)</style></secondary-title></titles><dates><pub-dates><date><style  face="normal" font="default" size="100%"> 28-30 May 2014 </style></date></pub-dates></dates><language><style face="normal" font="default" size="100%">eng</style></language></record></records></xml>