John Wayne is a purchasing officer in DEF Manufacturing, a family-owned manufacturer of kitchen utensils and equipment. He started his employment six months ago, right after he completed his business degree. He is engaged and the planned wedding date is only two months away. His fianc, who is a daughter of a government minister, has planned for a lavish wedding ceremony. The total cost of the wedding is definitely too much for him to bear. He could not share about his current financial situation as he has always portrayed himself as a well-paid executive, working in a successful company. Moreover, DEF Manufacturing is not paying him that much and the owners are more interested in accumulating their own wealth rather than caring for the employees' well-being. Recently, he was approached by a sales representative from ABC Steel, a metal and alloy supplier. ABC Steel is a new player in the market. The sales representative promised John Wayne that he will receive a certain commission for every purchase made to ABC Steel. John Wayne is aware that such an arrangement is fraudulent.

Evaluate THREE (3) factors that may encourage John Wayne to commit fraudulent behaviour.