3 of 3 is a prime advantage of intemet banking under the condition of offering a wide range of services on a site. a. Customer Retention b. Operation Cost reduction c. Direct control to accounts d. Customization e. None of the above 6. Which of the following factor is not a reason for risk to arise for financial institutions? a. Government policies b. Increased competition c. Reduced spreads d. Well educated customers c. All of the above are reasons of risks to arise 7. allows for changing the language of messages transferred in a way that it is difficult to understand by others a. SSL b. Token c. Brute force d. Firewall e. None of the above 2 8. When consumers try to log into their accounts, they are forced to enter their usemame and password which are sent in the form of message to the bank occurs in a. Trojan Horse b. Brute Force c. Data Integrity d. Sniffer e. None of the above