Underground forums are exploded the offer of malicious codes, hacking services and bullet proof hosting to organize a large scale fraud. Cyber criminals are selling kits at reasonable prices or entire botnets for renting, sometimes completing the offer with information to use during the attacks. The model described, known also as a, is winning, malicious code such as Zeus, SpyEye, Ice IX, or even Citadel have benefited of the same sales model. Cyber crime enterprise is showing a growing interest in monetization of botnets, the most targeted sector in recent months is banking.
Source: https://thehackernews.com/2013/04/zeus-malware-fraud-as-service.html