<prompt> Hlalosa maemo a kotsi a amanang le ho banka inthaneteng.nan  <response>: Instruction in English: Identify the risk factors associated with online banking. . Response in English: Online banking has become a convenient way for consumers to manage their finances, but it does come with certain risks. Here are some of the risk factors associated with online banking:1. Phishing Scams: One of the most common risks associated with online banking is the threat of phishing scams, where fraudsters use fake emails, websites and text messages to trick users into providing personal and financial information.2. Malware: Malicious software can also pose a threat to online banking users. Malware such as viruses, Trojans, and spyware can be installed on a users computer or mobile device, and can be used to steal personal information or make unauthorized transactions.3. Weak Passwords: A weak password is another risk factor for online banking. If a users password is easily guessable, an attacker may be able to access their bank account and make unauthorized transactions.4. Unsecured Networks: Using online banking on an unsecured network, such as public Wi-Fi, can pose a risk to users information. Attackers may be able to intercept data transmitted over unsecured networks, which could include sensitive information like usernames, passwords, and account numbers.5. Outdated Software: Failing to update software on a computer or mobile device can also pose a risk to online banking users. Outdated software may have vulnerabilities that can be exploited by attackers to steal personal information or make unauthorized transactions.6. Social Engineering: Social engineering attacks, such as pretexting and baiting, can also pose a risk to online banking users. These attacks involve manipulating users into providing personal information or making unwise security-related decisions.Overall, consumers can reduce these risks by being aware of the potential threats and taking steps to protect their information, such as using strong passwords, updating software, and avoiding unsecured networks. . Response in Sesotho: Libanka tsa marang-rang e se e le mokhoa o bonolo oa bareki ho laola lichelete tsa bona, empa e tla le likotsi tse itseng. Mona ke tse ling tsa mabaka a kotsi a amanang le libanka tsa marang-rang: 1. Phishing Scams: E ngoe ea likotsi tse atileng haholo tse amanang le ho banka inthaneteng ke tšokelo ea bomenemene, moo masholu a sebelisang li-imeile tsa bohata, liwebsaete le melaetsa ea mongolo ho qhekella basebelisi hore ba fane ka bona. le litaba tsa lichelete. 2. Malware: Software e kotsi e ka boela ea baka tšokelo ho basebelisi ba libanka ba inthaneteng. Malware joalo ka livaerase, Trojans, le spyware li ka kengoa komporong ea mosebelisi kapa sesebelisoa sa mohala, me li ka sebelisoa ho utsoa litaba tsa motho kapa ho etsa litšebelisano tse sa lumelloeng. 3. Li-passwords tse fokolang: Lekunutu le fokolang ke ntlha e ngoe ea kotsi bakeng sa banka ea inthaneteng. Haeba phasewete ea mosebelisi e ka hakanyetsoa habonolo, mohlaseli a ka khona ho kena akhaonteng ea hae ea banka mme a etsa litšebelisano tse sa lumelloeng. 4. Marang-rang a sa sireletsehang: Ho sebelisa libanka tsa marang-rang marang-rang a sa sireletsehang, joalo ka Wi-Fi ea sechaba, ho ka beha kotsi tlhahisoleseling ea basebelisi. Bahlaseli ba ka khona ho thibela lintlha tse fetisoang ka marang-rang a sa sireletsehang, tse ka kenyelletsang lintlha tsa bohlokoa joalo ka mabitso a basebelisi, li-password le linomoro tsa akhaonto. 5. Software e Fetileng Nako: Ho hloleha ho nchafatsa software komporong kapa sesebelisoa sa mohala ho ka baka kotsi ho basebelisi ba libanka ba inthaneteng. Software e siiloeng ke nako e kanna ea ba le bofokoli bo ka sebelisoang ke bahlaseli ho utsoa litaba tsa motho kapa ho etsa litšebelisano tse sa lumelloeng. 6. Boenjiniere ba Sechaba: Litlhaselo tsa boenjiniere ba sechaba, tse kang ho itlosa bolutu le ho qhekella, le tsona li ka beha kotsi ho basebelisi ba libanka tsa inthaneteng. Litlhaselo tsena li kenyelletsa ho qhekella basebelisi ho fana ka tlhahisoleseling ea botho kapa ho etsa liqeto tse seng bohlale tse amanang le tsireletso. Ka kakaretso, bareki ba ka fokotsa likotsi tsena ka ho hlokomela litšokelo tse ka bang teng le ho nka mehato ea ho sireletsa tlhahisoleseling ea bona, joalo ka ho sebelisa li-password tse matla, ho nchafatsa software, le ho qoba marang-rang a sa sireletsehang. 