PCI DSS 4.0 requires strict controls to protect cardholder data, focusing on privileged account security, access monitoring, and encryption. Privileged Access Management (PAM) addresses these needs by isolating sessions, enforcing least privilege, rotating credentials, and securing secrets used by both people and applications. It prevents credential theft, malware spread, and unauthorized system access while ensuring multifactor authentication and real-time monitoring. With audit logs and threat analytics, PAM helps organizations meet compliance, reduce breach risks, and defend sensitive payment systems from attackers, making it a critical layer in PCI DSS-aligned defenses.

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