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Holistic Digital Fraud Detection: Advanced Strategies to Secure Accounts Beyond the Login

Prabhavathi Matta
matta.prabha@gmail.com

Abstract
The digital age has revolutionized how we interact, transact, and communicate, but it has also introduced new vulnerabilities. Digital fraud, particularly account takeover (ATO) fraud, is a growing concern as cybercriminals continuously develop sophisticated methods to exploit security gaps. Traditional fraud detection mechanisms, focusing primarily on login processes, are inadequate in addressing the complexity and dynamism of modern cyber threats. This white paper presents a holistic approach to digital fraud detection, emphasizing a more comprehensive and advanced strategy for detecting and preventing account takeover fraud beyond the login phase to ensure comprehensive account security.

Keywords: CyberSecurity, Account Takeover, Digital Fraud Detection, Machine Learning, Technology Modernization, Digital Transformation, IT Modernization, Information Security, Multi-Factor Authentication (MFA), Threat Intelligence, Data Protection, Encryption, Continuous Monitoring, Identity Verification