If recent attacks against General Motors and others have taught us anything, it’s that usernames and passwords are a weak gate when it comes to securing online accounts. All it takes is one bad actor with stolen credentials to gain unauthorized access and commit account fraud. Adding CAPTCHA or multi-factor authentication (MFA) might weed out some bad bots, but those checks add friction to the user journey and don’t stop sophisticated bots or human fraudsters. This leaves holes in your account protection, which negatively impacts users and harms your bottom line.