QUESTION 4 (20 marks) a. What is E-fraud? Why should such activities be worrisome to a financial entity? (3 marks) b. How can pharming affect a financial institution? (3 marks) c. In some organizations, security is seen as an add-on and not part of the design from inception. Discuss some of the issues that a financial institution may encounter with security design. (7 marks) d. Consumers want to be able to carry out financial transactions from anywhere and thus the spur in mobil payments. However, this new technology has raised more security concerns. Discuss some of the mobil ricle that consumers may encounter and suggest some ways to mitigate these risks. (7 marks)