Which time period is often exploited by individuals committing fraud?

Individuals committing fraud frequently exploit nighttime due to the reduced surveillance and fewer witnesses present during these hours. The cover of darkness can provide opportunities for fraudulent activities to occur with less chance of detection. Many businesses and institutions are closed or operating with limited staff, which allows perpetrators to carry out their schemes with less likelihood of being observed or interrupted.

The other options—daytime, during holidays, and weekends—may also present opportunities for certain types of fraud, but they are generally more populated times when witness presence increases, and operations are often running at full capacity, making it riskier for individuals trying to commit fraud. Hence, nighttime is a prime time for fraudsters looking to evade detection.