include the basic internet banking services such as bill payment, shopping online and checking balances. a. Cash management offerings b. Customer retention c. Home banking offerings d. Customization e. None of the above. 10. Well designed marketing is a way to educate customers and reduce risk. a. Strategic b. Price c. Liquidity d. Reputation c. None of the above 11. is one of the main three problems faced by internet banks. a. Sniffer b. Spoofing c. Social Engineering d. Data Integrity c. None of the above 12. risk arises from fraud, error and inability to deliver services. a. Liqudity b. Strategic c. Interest d. Credit c. None of the above 13. risk arises from a bank's inability to meet its obligations when they come due a. Strategic b. Foreign exchange c. Price d. Liquidity c. Credit