Crimeware-as-a-Service, or simply CaaS, has changed the way cybercrooks operate. Instead of selling the malware itself, they sell a malware delivery service on agreed terms. CaaS crooks keep their malware to themselves, along with automated tools for generating new variants, techniques for rapidly customising the malware payloads, and the network that they use to push out infected files to potential victims. SophosLabs researchers have written a follow-up report with a raft of new details.”]
Source: https://nakedsecurity.sophos.com/2016/06/08/vawtrak-banking-malware-know-your-enemy/