Looking back at the past year, there is no doubt that the malware-as-a-service industry, which sells and trades malware samples, attack tools, and a variety of services, is thriving. It means that cyber criminals with low technical skills can easily purchase attack tools from more advanced hackers, vastly increasing the number of potential attackers, attacks, and victims.

http://blog.checkpoint.com/2017/04/13/unbearable-lightness-operating-web-based-attacks-easy-steal-money-ie-8-0-11-0-users/