Provisioning (Otherwise known as a part of identity management)

How to choose a provisioning tool - Computerworld

"When I left my position as an investment adviser, no one asked me to return my physical access card, despite the fact that I was going to work for a competitor virtually across the street. I could easily have re-entered my former employer's office and accessed the files of every single one of their clients. And because my former employer failed to turn off my e-mail account, I received group e-mails from my former colleagues discussing how they planned to attempt to steal my clients!"