Account Takeover Protection for Banks in 2025: Why Real-Time Defense Matters
Account takeover (ATO) protection is the frontline defense that prevents criminals from using stolen or spoofed credentials to impersonate legitimate customers. The problem is speed. In 2024, Verizon reported that phishing kits were able to harvest the first credential in under 60 seconds, while banks typically only detected fraud several hours later. That lag helped drive a staggering surge in ATO with 83% of financial institutions reporting direct business impact.