Our digital lives can be very complicated. So many accounts, so many passwords, so many platforms. There was a time when these complications were exaggerated; when our online behaviors were considered discretionary, and accordingly, frivolous. That time is long passed.
我们的数字生活可能非常复杂。 这么多的帐户，那么多的密码，那么多的平台。 曾经有一段时间，这些并发症被夸大了。 当我们的在线行为被认为是自由裁量的，因此是无聊的。 那个时间已经过去了。
Today, we manage our healthcare online. We learn critical job skills online. We bank online. That’s only the beginning of a long list. Remember, this is a world where political leaders announce policy on social media — first. Is it any wonder we struggle to keep track of it all?
今天，我们在线管理我们的医疗保健。 我们在线学习关键的工作技能。 我们在线银行。 那只是一长串清单的开始。 请记住，这是一个政治领导人首先在社交媒体上宣布政策的世界。 难怪我们努力跟踪所有这一切吗？
Feeling overwhelmed is understandable. Unfortunately, not keeping track of it all can lead to significant problems.
感到不知所措是可以理解的。 不幸的是，不全都跟踪可能导致严重的问题。
As CyberScoop reported earlier this year, dormant accounts represent a highly exploitable vulnerability to fraudsters, noting that “sixty-five percent of accounts that experience an account takeover attack — when an outsider logs in with a victim’s own username and password — have not been accessed by their true owner in more than 90 days, according to forthcoming research from DataVisor.”
正如CyberScoop在今年早些时候报道的那样， Hibernate帐户对于欺诈者而言是一个高度可利用的漏洞 ，并指出“当外来者使用受害者自己的用户名和密码登录时，遭受帐户接管攻击的帐户中有百分之六十五被访问了”根据DataVisor即将进行的研究，他们的真主在90天内被其拥有。”
Which brings us to some complicated news from THIS week. It began with an announcement from Twitter about their intention to remove dormant accounts from the platform, as reported on by The Verge:
这使我们了解了本周的一些复杂新闻。 根据The Verge的报道，Twitter首先宣布了他们打算从平台中删除Hibernate帐户的打算：
In the article, Twitter’s statement is quoted:
在文章中，引用了Twitter的声明：
“As part of our commitment to serve the public conversation, we’re working to clean up inactive accounts to present more accurate, credible information people can trust across Twitter.”
“作为我们致力于公开对话的承诺的一部分，我们正在努力清理不活跃的帐户，以提供人们可以在Twitter上信任的更准确，可信的信息。”
From a fraud standpoint, this could have been seen as good news. But, the plot thickened shortly thereafter, as highlighted by Axios:
从欺诈的角度来看，这本可以被视为好消息。 但是，此后不久该图变厚了，正如Axios所强调的：
And of course, there was a new statement from Twitter:
当然，Twitter也发表了新的声明：
“We’ve heard you on the impact that this would have on the accounts of the deceased. This was a miss on our part. We will not be removing any inactive accounts until we create a new way for people to memorialize accounts.”
“我们已经听说过这会对死者的帐户造成影响。 这是我们的错。 在我们创建一种新的方式来纪念人们的帐户之前，我们将不会删除任何无效的帐户。”
So, for the time being, at least, those inactive accounts remain; many of them now highly visible — and desirable — targets for fraudsters.
因此，至少到目前为止，那些不活动的帐户仍然存在； 他们中的许多人现在是欺诈者的高度可见的目标，也是可取的目标。
Digital dormancy happens for many reasons. One of these is the fact that fraudsters like to move fast. When fraudsters create new fake accounts, they often use them almost immediately. DataVisor’s just-released Q3 2019 Fraud Index Report finds the following:
数字Hibernate发生的原因很多 。 其中之一是欺诈者喜欢快速行动的事实。 当欺诈者创建新的假账户时，他们经常几乎立即使用它们。 DataVisor刚刚发布的2019年第三季度欺诈指数报告发现以下内容：
As we enter full throttle into the holiday shopping season, the problems of fake accounts and content abuse loom large. However, as reported this week by Digital Commerce 360, those are just two of the many reasons why we need to be vigilant:
随着我们进入假日购物旺季，假账和内容滥用问题日益严重。 但是，正如Digital Commerce 360本周报道的那样，这些只是我们需要保持警惕的众多原因中的两个：
“Increases in online shopping, an expanded array of promotional activity, and intensified shipping volumes all combine to create fertile ground for fraud and abuse, and post-holiday sales cycles will be just as vulnerable as mid-season ones, so short-term fixes will not suffice.”
“在线购物的增加，促销活动的扩展以及货运量的增加，共同为欺诈和滥用创造了肥沃的土壤，并且节后的销售周期将与季中销售周期一样脆弱，因此需要短期修复不够。”
Along with all the sweaters, bestselling books, and humorous drink mugs, we also pay for a great many events during the holidays, and the ticketing space is accordingly a busy one — for customers and fraudsters alike. So you can add ticketing fraud to the list of things to be worried about, along with ongoing holiday concerns such as shipping fraud.
除了所有的毛衣，畅销书和幽默的饮料杯，我们还为假期期间的许多活动付费，因此票务空间非常繁忙，无论是对于客户还是欺诈者。 因此，您可以将票务欺诈行为添加到要担心的事情列表中，以及持续的假期问题(例如运输欺诈行为)。
PYMNTS has the whole story this week:
PYMNTS本周有整个故事：
For businesses, much of the challenge has to do with managing data effectively. DataVisor VP Priya Rajan was at MoneyLive in London this week, participating in a panel focused on creating data-centric organizations:
对于企业而言，许多挑战与有效管理数据有关。 DataVisor副总裁Priya Rajan本周在伦敦的MoneyLive参加了一个专注于创建以数据为中心的组织的小组讨论：
As noted by the team at Target Group (fellow event attendees), the balance of customer experience and risk was a key conference topic:
正如Target Group的团队(参加会议的与会者)所指出的那样，客户体验和风险之间的平衡是会议的关键主题：
This gets us to the heart of the holiday shopping challenge. Businesses want happy customers, but how much risk can they take on in order to achieve those seamless experiences?
这使我们成为假日购物挑战的核心。 企业希望获得满意的客户，但是他们可以承担多少风险才能获得无缝的体验？
Join us next week for another edition of This Week in Fraud Trends. We’ll dissect all the Black Friday news, and also start looking ahead to 2020.
下周加入我们，以获取本周欺诈趋势的另一版。 我们将剖析所有黑色星期五的新闻，并开始展望2020年。
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