Rethinking account takeover: A fraud & identity brief

Account takeover is no longer just a credential issue, it’s an identity risk. AI-driven attacks are accelerating beyond the limits of legacy defenses. The result: rising fraud losses, operational strain, and customer churn. This report explains what’s changed and what modern defense requires.

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Rethinking Account Takeover: A fraud & identity brief

The economics of modern account takeover

ATO impacts more than transaction fraud. It drives operational overhead, customer abandonment, and executive scrutiny.

Inside this report, you’ll learn:

  • Why credential-based defenses are structurally misaligned
  • How AI and automation are reshaping attack velocity
  • Where ATO creates hidden operational costs
  • How continuous identity assurance shifts the economics

Whether you’re responding to rising incidents or modernizing proactively, this resource provides the clarity needed to build an internal business case for change.

Why continuous identity defense changes the outcome

Modern ATO prevention requires more than layered controls. It requires anchoring digital access to verified identity across channels.

Earlier prevention
Stop takeovers earlier in the attack lifecycle, before remediation costs escalate.

Identity anchor
Anchor accounts to verified, real-world identity, not just credentials

Reduced friction
Apply stronger authentication only when risk rises without burdening legitimate users

Modernize your ATO defense strategy

ATO is evolving. Defenses built for a credential-centric world are not enough.

Download the report to understand the economic impact of modern ATO and explore how Mitek’s identity platform strengthens protection without sacrificing experience.

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