Account takeover (ATO) is a growing concern in the digital world. It involves criminals stealing a person's login credentials and using them to access their accounts and perform fraudulent activities. ATO attacks have increased due to the COVID-19 pandemic, which has led to a surge in online banking and the creation of new accounts for streaming and food delivery services. Businesses and consumers need to be aware of the risks and take steps to prevent ATO. Some common bad habits that increase ATO risk include reusing passwords, sharing login credentials, and failing to update passwords regularly. SpyCloud is a company that is at the forefront of addressing the challenges of ATO and helping businesses and consumers protect their accounts.