Ping Identity’s eBook defines account takeover (ATO) fraud as a growing cyber threat where criminals exploit stolen credentials, phishing, and bots to hijack accounts. It explains the four attack stages—compromise, validation, exploitation, and monetization—and highlights severe financial, reputational, and operational impacts. Vulnerable industries include finance, healthcare, retail, and social media. The guide recommends layered defenses such as MFA, behavioral analytics, device fingerprinting, and orchestration. IT leaders should foster cross-department collaboration, user education, and continuous monitoring. Using modern IAM and AI-driven tools ensures adaptive protection and sustained customer trust.

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