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•  Only use step-up authentication in cases where the session risk score is high.
               •  Take into account device history, IP reputation, geolocation, and impractical travel.

            4. Security Controls for APIs

               •  Keep web login flows and login APIs separate.
               •  As an illustration, apply rate limits and schema validation, especially for mobile app login APIs.

            5. Transparency & User Education

               •  Inform clients about the dangers of password reuse and send out password breach notifications
                   when credentials are found to be reused.
               •  Openness fosters trust.



            A Guide for CEOs and CISOs

            Phase 1: Visibility & Discovery


               •  Map every login endpoint, including mobile flows and APIs.
               •  Benchmark failed login ratios: suspicious increases frequently indicate credential stuffing.

            Phase 2: Incorporate Controls


               •  Enhance the current IAM with threat intelligence, bot detection, and adaptive authentication.
               •  Enhance IAM rather than completely replace it.

            Phase 3: Ongoing Examination

               •  Conduct red-team drills that replicate credential stuffing in particular.
               •  Apply the concepts of chaos engineering to test the resilience of your login flow in the event of an
                   attack.

            Phase 4: Involvement with Businesses

               •  Report credential stuffing as revenue loss and customer fraud rather than a "login failure issue."
               •  Frame board talks about revenue and reputational risk.



            Conclusion: The Arms Race in AI Has Started

            Automation versus defense has always been at the center of credential stuffing. However, AI has ushered
            in a new era of intelligent, adaptable, and outsmarting robots.

            The lesson for CISOs and CEOs is straightforward: IAM is important, but not enough.








            Cyber Defense eMagazine – September 2025 Edition                                                                                                                                                                                                          301
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