The eBook explains that account takeover (ATO) fraud is one of the fastest-growing cyber threats, costing over $635 billion globally. It outlines how ATO attacks progress through four stages—compromise, credential validation, exploitation, and monetization—often using phishing, bots, or session hijacking. Industries like finance, retail, and healthcare are primary targets. PingOne Protect combats ATO by assigning risk scores using behavioral biometrics, device profiling, and IP reputation to detect and stop fraud in real time. Combined with PingOne DaVinci orchestration, it enables adaptive MFA, identity verification, and automated mitigation workflows for secure, seamless user experiences.

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