What are the risks involved in electronic payment systems, Computer Engineering

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What are the risks involved in Electronic Payment Systems?

From the customer's perspective:

Dishonest merchants or financial service providers
Stolen payment credentials and passwords
Disputes over quality of services or goods

From merchant's perspective:

Forged or copied payment instruments
Insufficient funds in customers account, especially with off-line payment systems
Dishonest or slow financial service providers

From the financial service provider's perspective:

Stolen customer or service credentials
Forged or copied payment instruments
Customers not paying (applies only to credit models)

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