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Given the rise in data breaches, combinations of usernames and passwords are readily available on the web to be exploited for fraudulent reason via automated Account Takeover tools. https://www.netacea.com/white-papers-and-guides/waf-vs-account-takeover/
Download Whitepaper by Netacea - The Identity Fraud Credit Unions Need To Be Aware Of - Account Takeover.pdf at Simpledownload.net.
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