ATM hack: Organized crime or market forces?

In November of 2008, a single scam netted more than $9m in a global ATM heist. According to the FBI the attackers compromised pre-paid payroll cards from RBS WorldPay and gift cards, launching a coordinated attack against more than 130 ATMs in 49 cities around the world. The cards were exploited by "cashers" who withdrew money during a single 30 minute window.