In the highly competitive digital environment of 2020, market share and customer loyalty were gained through innovation. Savvy retailers were quick to offer new services and perks for account holders. Unfortunately, one of the unintended side effects of encouraging customers to open store accounts was how appealing a target these accounts are for fraudsters. While account takeover (ATO) attacks are not new, they’ve become increasingly lucrative - and easy. Nowadays, ATOs are so common that the attack process is completely streamlined. Even an amatuer fraudster can get inside a good customer’s account in a matter of minutes.