Atmosphere and institutional culture factor into whether cheating is accepted, said Wolpe.

CNN: Cheating arises from desires, incentives, pressures

Institutional affiliation is also a factor -- a study from his lab found that Berkeley students tended to like their school colors, blue and gold, more than their rival school Stanford's colors, red and white.

CNN: Is 'red' the same to all creatures?

Citigroup is well ahead in the business of attending to institutional clients, but BofA outpaces Citi in retail deposit gathering by a factor of five (see table).

FORBES: Money For The Masses

Another factor in play is the untracked amount of allocations from pension funds and other institutional investors into the loan market.

FORBES: Connect