A fraudster’s primary goal in an account takeover (ATO) attack is to steal the user’s credentials and use them for their own financial gain or to sell on the black market. This is done through a variety of techniques including phishing, card skimming, lifting wallets, ATM and credit card hacking and many more. When successful, ATO can cause high chargeback rates, customer transaction disputes and reputation damage for a financial institution.

How can account takeover vulnerability be prevented?

Cybercriminals aren’t discriminatory when it comes to which companies they target. A company of any size, industry or location can be a victim of account takeover detection attacks. As a result, small- and midsized businesses can become an attractive target since they’re less likely to be vigilant about unusual login patterns or transactions.

The first step in an ATO attack is obtaining account credentials, and this can happen through any number of sources such as data breaches, stolen devices or spoofed cookies. Once a hacker has valid credentials, they’ll often try them out on a large number of accounts. This is why it’s important to be aware of an abnormal spike in unfamiliar transactions or a series of failed login attempts.

Continuous monitoring is an effective account takeover detection technique as it can alert you to unusual login behavior that could indicate a breach. A robust fraud detection solution will provide full visibility into a user’s activity before they log in, while they are logged in and after they complete a transaction.

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The government’s special program to sell housing subscriptions for new apartment complexes in Sejong City to its employees turned out to be a “jackpot,” guaranteeing civil servants hundreds of millions of won right away. This housing subsidy has pushed up Sejong apartment prices by 42 percent last year, far outpacing the growth in both Seoul and the country as a whole.URL :https://sejongrealtor.com/

To encourage workers to relocate to the central city, the government made construction companies allocate a part of their new apartments for sale to government officials. Government workers bought 26 percent of the 97,000 apartment units supplied in the past 10 years, according to the government.

The Rise of Sejong: Why It’s a Hotspot for Real Estate Investors

But the special program has sparked a backlash from local residents who are unable to afford the high rent. It is also causing conflict within the ministries as young employees who were hired recently are not subject to the special program and have to find housing on their own in Sejong, where housing prices have skyrocketed.

In order to prevent the formation of a real estate bubble, it is necessary to use a valuation framework that can reflect both the Jeonse price and the HPI simultaneously. The proposed framework utilizes the spread, which is an indicator of a bubble by consolidating the Jeonse and HPI into one and can measure both supply-side and demand-side factors in real time. Moreover, it can be used in countries without the Jeonse by replacing it with the monthly rent.

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The idea of taking a vacation can fill business owners with anxiety and fear. It’s not because of the unanswered emails, missed deadlines or stalled projects that could occur while they are away; it’s that they may feel like their businesses cannot survive without them and will crumble in their absence.

To manage vacation stress for business owners are often unfounded. In fact, research shows that taking time off helps you be a better business owner. It provides fresh perspective, bursts of creativity and a sense of mental health renewal that you can’t get from simply working hard every day. But how can you truly enjoy your time off, if you’re worried that the entire operation will fall apart?

Vacation Stress Management for Business Owners: How to Relax and Recharge

As a business owner, you can reduce your stress level by being proactive and preparing for your time off. One of the best ways to do this is by establishing systems that can handle any unexpected situations that might arise while you’re away. This could be as simple as entrusting important, day-to-day tasks to your second in command or a trusted advisor. It also helps to have a buffer period before and after your vacation, in which you can review any outstanding client issues or new projects that may come up.

Finally, make sure you communicate well with your team. Tell them that you’ll be unavailable and give them instructions on how to contact a backup. This includes what constitutes a true emergency and who they should contact first if the matter can’t wait until you return.

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