Security Risk Security risk arises with respect to the controls over access to the systems. Controlling access to the systems has become increasingly complex due to expanded computer capabilities, access points, and extended use of communication path. Due to its nature, e-payment systems and products may be subjected to external and internal attacks. For example, inadequate controls could result in virus injection or successful attack by hackers, who could access, retrieve and use confidential customer information. A non-secure electronic transmission could allow criminals to gain access to customer information.