Viresh Joshi, who used to be the Chief Dealer at Access Mutual Fund, misused his power. He bought multiple mobile phone numbers under fictitious IDs. The nefarious trading activity would take place in this mule account only. And that way, no one would connect Joshi to the trade. Why do people indulge in such practices? Well, it's tough to say, but maybe we can point to three key things. First of all, banking ranked high on the list of industries prone to dishonesty. Second, historically, the stock markets have been the epicenter of dishonesty. Third, social norms in the banking sector tend to be more lenient towards dishonest behavior.