The proliferation of online applications and the variety of remote channels have changed the very nature of business, accelerating the speed at which it is conducted. This maturation of online applications does not come without risks, which exist on two fronts. On one hand, customers are at risk due to online attacks. On the other hand, providers themselves are put at risk when licensed subscribers share their credentials with unlicensed users, which can result in catastrophic losses in revenue. Ultimately, it does not matter where a security breach is incurred; attacks on either front undermine trust in the system and minimize the effectiveness of the application altogether.