Concept:Cyber fraud is a major risk in electronic banking, while the other options are security measures, not risks.
Explanation:Cyber fraud includes phishing, identity theft, and unauthorized account access.
Fraudsters use fake websites or emails to steal login credentials and passwords.
OTP verification, strong passwords, and encryption are protective tools, not risks.
The question asks for a risk, so only cyber fraud fits.
Common cyber frauds are phishing, malware attacks, and SIM swapping.
Preventive steps include using strong passwords, enabling two-factor authentication, and avoiding public Wi-Fi.
Answer:A. Cyber fraud