Malware-as-a-Service (MaaS)

Malware-as-a-Service (MaaS)

(Last Updated On: January 16, 2023)

MalwareMalware Short for "malicious software," this term means computer viruses and other types of programs that cybercriminals use to disrupt or access your computer, typically with the aim of gathering sensitive files and accounts.-as-a-Service (MaaS)

How CybercrimeCybercrime Cybercrime is a crime related to technology, computers, and the Internet. Typical cybercrime are performed by a computer against a computer, or by a hacker using software to attack computers or networks. Is Becoming Outsourced

How ScamsScams A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost. & Cybercrime Work – A SCARSSCARS SCARS - Society of Citizens Against Relationship Scams Inc. A government registered crime victims' assistance & crime prevention nonprofit organization based in Miami, Florida, U.S.A. SCARS supports the victims of scams worldwide and through its partners in more than 60 countries around the world. Incorporated in 2015, its team has 30 years of continuous experience educating and supporting scam victims. Visit www.AgainstScams.org to learn more about SCARS. Insight

Understanding Malware-as-a-Service (MaaS)

This is the Future of Cyber Attacks

Portions Courtesy of AT&T 

With the explosive growth of technology, businesses are more vulnerable than ever to malicious cyber attacks – especially from Malware-as-a-Service. And as cybercriminals become more sophisticated, new methods of attack are popping up left and right.

To add fuel to the fire, the average cost of a data breachData Breach Whenever private information is seen by someone who should not have access, this is known as data exposure. It may also sometimes be referred to as a data leak or data breach. It might happen by accident or be caused by hackers who do it to cause harm to the individual or organization involved. It can be especially damaging to companies that store the credit card details and personal information of their customers. increased from $3.86 million to $4.24 million in 2021. That’s costly enough to put most SMBs into the red. Not to mention the reputational damage it can cause for your brand.

If you’ve never heard of Malware-as-a-Service (MaaS) before, don’t fret. This article is for you.

We’ll teach you everything you need to know about Malware-as-a-Service and wrap it up by sharing some best practices for protecting your proprietary company data from potential threats.

SCARS NOTE:

It is important that everyone understand these issues because in one way or another, they affect us all. Malware-as-a-Service is just another variation of cybercriminals buy services so they do not have to know how to do everything themselves.

Data breaches have affected every resident of the United States and many around the world, and it has been malware tools like Malware-as-a-Service that have created the entry point for those breaches.

The Impact of Data Breaches

Data breaches can have a wide range of negative effects on individuals and society as a whole. Some of the most significant ways data breaches can affect us include:

  1. Financial loss: Data breaches can result in the loss of personal financial information, such as credit card numbers and bank account information, which can be used to make unauthorized purchases or withdraw money from accounts.
  2. Identity theftIdentity Theft Identity theft is when someone uses another person's personal identifying information, without their permission, to commit fraud or other crimes. In both the U.K. and the United States it is the theft of personally identifiable information. Identity theft deliberately uses someone else's identity as a method to gain financial advantages or obtain credit and other benefits, and perhaps to cause other person's loss. The person whose identity has been stolen may suffer adverse consequences, especially if they are falsely held responsible for the perpetrator's actions. Personally identifiable information generally includes a person's name, date of birth, social security number, driver's license number, bank account or credit card numbers, PINs, electronic signatures, fingerprints, passwords, or any other information that can be used to access a person's financial resources.: Personal information, such as Social Security numbers, birth dates, and addresses, can be used to steal identities and open new credit accounts or take out loans in someone else’s name.
  3. Loss of privacy: Data breaches can result in the exposure of sensitive personal information, such as medical records, email and text message communications, and other private data.
  4. Damage to reputation: Data breaches can damage a person’s reputation if personal information is shared or used for malicious purposes.
  5. Loss of trust: Data breaches can erode trust in organizations, which can make it difficult for them to conduct business or maintain relationships with customers and partners.
  6. Business disruption: Data breaches can disrupt business operations and result in lost revenue and increased costs for organizations.
  7. Legal liability: Organizations may be held liable for data breaches and face legal action from customers and other affected parties.
  8. Cybercrime: Data breaches can also enable cybercriminals to conduct cyber attacks, spread malware, and steal sensitive information.
  9. National security: Data breaches can compromise national security by exposing sensitive information of government and military agencies.
  10. Societal impact: Data breaches can lead to a loss of trust in technology and the internet, which can negatively impact society’s ability to fully utilize the opportunities provided by digital technologies.

Overall, data breaches can have significant and wide-ranging negative effects on individuals, organizations, and society as a whole. It’s important for individuals to be vigilant and take steps to protect their personal information, and for organizations to implement robust security measures to protect sensitive data.

What is Malware?

Malware is short for “malicious software.” It refers to any software that is designed to harm or exploit a computer or network. This can include viruses, worms, Trojans, ransomwareRansomware Ransomware is a type of malware from cryptovirology that threatens to publish the victim's personal data or perpetually block access to it unless a ransom is paid. While some simple ransomware may lock the system so that it is not difficult for a knowledgeable person to reverse, more advanced malware uses a technique called cryptoviral extortion. It encrypts the victim's files, making them inaccessible, and demands a ransom payment to decrypt them. In a properly implemented cryptoviral extortion attack, recovering the files without the decryption key is an intractable problem – and difficult to trace digital currencies such as paysafecard or Bitcoin and other cryptocurrencies that are used for the ransoms, making tracing and prosecuting the perpetrators difficult. Ransomware attacks are typically carried out using a Trojan virus disguised as a legitimate file that the user is tricked into downloading or opening when it arrives as an email attachment. However, one high-profile example, the WannaCry worm, traveled automatically between computers without user interaction., and other types of malicious programs. Malware can be spread through various means, such as email attachments, infected software downloads, and compromised websites. Its purpose can be for example data theft, financial fraudFraud In law, fraud is intentional deception to secure unfair or unlawful gain (money or other assets), or to deprive a victim of a legal right. Fraud can violate civil law (e.g., a fraud victim may sue the fraud perpetrator to avoid the fraud or recover monetary compensation) or criminal law (e.g., a fraud perpetrator may be prosecuted and imprisoned by governmental authorities), or it may cause no loss of money, property, or legal right but still be an element of another civil or criminal wrong. The purpose of fraud may be monetary gain or other benefits, for example by obtaining a passport, travel document, or driver's license, or mortgage fraud, where the perpetrator may attempt to qualify for a mortgage by way of false statements. A fraud can also be a hoax, which is a distinct concept that involves deliberate deception without the intention of gain or of materially damaging or depriving a victim., and others.

What is Malware-as-a-Service (Maas)?

Malware-as-a-Service (MaaS) is a type of cyber attack in which criminals offer malware and deployment services to other hackers or malicious actors on the internet.

These Malware-as-a-Service services typically are available on the dark webDark Web This is a sub-level of the internet that normal search engines and everyday browsers cannot access. It’s an encrypted network that contains websites – both legal and illegal – that remain hidden from plain sight.. When purchased, a bad actor can carry out various malicious activities, such as stealing sensitive information, disrupting computer systems, or encrypting data and demanding a ransomRansom A ransom is an amount of money or other assets of value that is paid for blackmail, extortion, or under other threats or coercion. The ransom is usually paid in cash or now in cryptocurrency. Online blackmail, sextortion, and ransomware all demand ransoms to avoid negative outcomes. to unlock it.

Some of the most common types of malware include the following:

  • Viruses: Programs that can replicate themselves and spread to other computers. They can cause various problems, such as disrupting computer operations, stealing information, or damaging files.
  • TrojanTrojan Software that's hidden within apparently harmless data — or masquerades as a regular program — and when activated, can deliver such blows as corrupting data on your hard drive or sending files and account information to hackers. Unlike viruses and worms, Trojans do not self-replicate and spread to other computers. horses: These programs masquerade themselves as legitimate software but can carry out malicious activities, such as stealing data or giving attackers unauthorized access to a computer.
  • Worms: A self-replicating program that can spread across networks, disrupting computer operations and consuming network resources.
  • Adware: Software that displays unwanted advertisements on a computer. It can be intrusive and annoying and sometimes track a user’s online activities.
  • Ransomware: Encryption of a victim’s data with the demand for a ransom payment to unlock it. It can devastate businesses, resulting in losing important data and files.
  • SpywareSpyware A type of malware installed on computers or cellphones to track your actions and/or collect information without your knowledge. Some spyware can change computer settings for pharming redirection.: Software designed to collect information about a user’s online activities without their knowledge or consent to steal sensitive information (like financial statements and passwords).
  • Bots: Often used in conjunction with other types of malware, such as viruses or worms. For example, a virusVirus A computer program that can replicate itself and spread from computer to computer or file to file. It comes to life only when you take a specific action, such as running a particular program. could infect a computer and then download and install a bot, which could carry out malicious activities on that computer or other computers on the network.

MaaS makes it easier for cybercriminals to launch attacks, as they can purchase and use pre-made malware without developing it themselves. This distinction can make it harder for law enforcement, cybersecurity experts, and IT teams to track down the people responsible for the attacks.

And sadly, cyber-attacks are industry agnostic. For example, in the transportation industry, cybercriminals exploit vulnerabilities of electronic logging devices and steal valuable information from cloud-connected trucks.

Malware-as-a-Service is also a significant threat to online job boards like Salarship, Indeed, UpWork, or any other platform where job applicationsApplications Applications or Apps An application (software), commonly referred to as an ‘app’ is a program on a computer, tablet, mobile phone or device. Apps are designed for specific tasks, including checking the weather, accessing the internet, looking at photos, playing media, mobile banking, etc. Many apps can access the internet if needed and can be downloaded (used) either for a price or for free. Apps are a major point of vulnerability on all devices. Some are designed to be malicious, such as logging keystrokes or activity, and others can even transport malware. Always be careful about any app you are thinking about installing. are stored. Attackers can easily access the personal data of thousands or millions of people by targeting these sites.

The bottom line: As a business with priority company data, it’s essential to be aware of the different types of malware and take the necessary precautionary steps to protect against these heinous services.

Ransomware-as-a-Service (RaaS) vs. Malware-as-a-Service (MaaS)

Ransomware falls under the umbrella of malware. But what’s the difference between Ransomware-as-a-Service (RaaS) and Malware-as-a-Service (MaaS)?

The main difference between MaaS and RaaS is the specific type of malware offered as a service. MaaS involves the development and deployment of any malware, while RaaS specifically consists of the development and deployment of ransomware.

Ransomware is a type of malware that restricts access to the infected computer system or its data and demands a ransom payment to regain access. It typically spreads through phishing emails, malicious websites, and targeted exploits.

MaaS and RaaS are online services on the dark web that make it easy for anyone with no experience or knowledge to launch an attack.

In some RaaS cases, the attackers may steal the victim’s data and hold it for ransom, demanding payment to return it to the victim. Or the attackers may encrypt the victim’s data and demand payment to unlock it without stealing it.

Regardless, the goal of ransomware is to make money by extorting the victim.

How To Protect Your Business Against Malware-as-a-Service

As malware becomes more sophisticated and accessible, it’s imperative to have some defense programs in place that can offer your extra business protection against bad actors.

According to a recent study, 64% of Americans would blameBlame Blame or Blaming is the act of censuring, holding responsible, making negative statements about an individual or group that their action or actions are socially or morally irresponsible, the opposite of praise. When someone is morally responsible for doing something wrong, their action is blameworthy. By contrast, when someone is morally responsible for doing something right, we may say that his or her action is praiseworthy. Blame imparts responsibility for an action or act, as in that they made a choice to perform that act or action. the company, not the hackerHacker A computer hacker is a computer expert who uses their technical knowledge to achieve a goal or overcome an obstacle, within a computerized system by non-standard means. Though the term hacker has become associated in popular culture with a security hacker – someone who utilizes their technical know-how of bugs or exploits to break into computer systems and access data which would otherwise be unavailable to them – hacking can also be utilized by legitimate figures in legal situations. For example, law enforcement agencies sometimes use hacking techniques in order to collect evidence on criminals and other malicious actors. This could include using anonymity tools (such as a VPN, or the dark web) to mask their identities online, posing as criminals themselves. Likewise, covert world agencies can employ hacking techniques in the legal conduct of their work. Oppositely, hacking and cyber-attacks are used extra- and illegally by law enforcement and security agencies (conducting warrantless activities), and employed by State actors as a weapon of both legal and illegal warfare., for losing personal data.

Thankfully, there are ways to lessen the impact. ​​A report from Cisco states that adhering to General Data Protection Regulations (GDPR) has been shown to minimize the effects of a data breach.

Why? Because if a company complies with the GDPR, attackers might not find any data to exploit.

Here are a few additional steps that your business can take to protect itself from MaaS:

  • Implement strong network security measures, such as a web application firewall, intrusion detection, and secure passwords.
  • Regularly update and patchPatch A software program update that corrects known bugs or problems, or adds new features to a software program already installed on your computer. all software and operating systems to fix known vulnerabilities.
  • Educate employees about Malware-as-a-Service risks and how to avoid them, such as not opening suspicious email attachments or visiting untrusted websites.
  • Use reputable anti-virus and anti-malware software and regularly scan the network for signs of infection.
  • Back up any necessary data regularly so your business can quickly restore its operations if anything goes south.

One of your company’s most significant assets is its data privacy and reputation, which directly affects how much your business is worth. So it’s critical to protect it against MaaS with a strong and well-implemented cybersecurity plan.

Wrapping up

Cybercriminals no longer need a strong technical background to pull off a malicious hack. The MaaS model has made it possible for anyone to become a cybercriminal.

But that doesn’t mean you have to avoid the internet forever — which is pretty challenging to do in today’s day and age.

With preventative measures and a robust cybersecurity strategy, you can sleep soundly at night, knowing your company data is safe from a MaaS attack.

For more advice on staying secure online, check out the AT&T Cybersecurity blog for additional insight.

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Essential Tools For Every ScamScam A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost. Victim From SCARS Publishing

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This program is designed to help scam victims struggling to recover on their own and for those who want to understand the overall process. You can be using other resources, such as traumaTrauma Emotional and psychological trauma is the result of extraordinarily stressful events that shatter your sense of security, making you feel helpless in a dangerous world. Psychological trauma can leave you struggling with upsetting emotions, memories, and anxiety that won’t go away. It can also leave you feeling numb, disconnected, and unable to trust other people. Traumatic experiences often involve a threat to life or safety or other emotional shocks, but any situation that leaves you feeling overwhelmed and isolated can result in trauma, even if it doesn’t involve physical harm. It’s not the objective circumstances that determine whether an event is traumatic, but your subjective emotional experience of the event. The more frightened and helpless you feel, the more likely you are to be traumatized. Trauma requires treatment, either through counseling or therapy or through trauma-oriented support programs, such as those offered by SCARS. counselingCounseling Counseling is the professional guidance of the individual by utilizing psychological methods especially in collecting case history data, using various techniques of the personal interview, and testing interests and aptitudes. A mental health counselor (MHC), or counselor, is a person who works with individuals and groups to promote optimum mental and emotional health. Such persons may help individuals deal with issues associated with addiction and substance abuse; family, parenting, and marital problems; stress management; self-esteem; and aging. They may also work with "Social Workers", "Psychiatrists", and "Psychologists". SCARS does not provide mental health counseling. or therapy, qualified support groupsSupport Groups In a support group, members provide each other with various types of help, usually nonprofessional and nonmaterial, for a particular shared, usually burdensome, characteristic, such as romance scams. Members with the same issues can come together for sharing coping strategies, to feel more empowered and for a sense of community. The help may take the form of providing and evaluating relevant information, relating personal experiences, listening to and accepting others' experiences, providing sympathetic understanding and establishing social networks. A support group may also work to inform the public or engage in advocacy. They can be supervised or not. SCARS support groups are moderated by the SCARS Team and or volunteers., or completely independent – on your own!

The SCARS Steps program is a complete program and is provided for the purpose of helping scam victims to overcome this experience. Throughout this SCARS Steps Program, we speak about issues and challenges that a victim may have and help guide them through their recovery. But each person is different and it is important to understand your own reasons for being vulnerable to being scammed.

After the trauma of being scammed, you need to take steps to recover and move on. This may be an alternative to counseling in the short term, but we still encourage you to seek out professional help & support. Throughout this SCARS Steps Program, we speak about issues, challenges, defects, or problems that a victim may have in a generalized way.

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The SCARS Slate Book should be purchased by family and friends to better understand what happened to the victim and the traumatic impact on them. But it can also be shared by the victim so that they do not have to explain to family and friends about the scam. This publication is to help others to help Scam Victims to make it through this traumatic experience and recover.

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