Money is the root of all evil, including cybercrime. Thus, it was inevitable that malware creators would one day begin not only to distribute malicious programs themselves, but also to sell them to less technically proficient attackers, thereby lowering the threshold for entering the cybercriminal community.
The Malware-as-a-Service (MaaS) business model emerged as a result of this, allowing malware developers to share the spoils of affiliate attacks and lowering the bar even further.
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Source: Kaspersky