Which of the following would be considered a risk associated with ACH transactions?

Unauthorized access to sensitive data is a significant risk associated with ACH transactions. In the context of electronic payments, sensitive data such as bank account numbers, routing numbers, and personal identification information must be securely transmitted and stored. If this information is compromised, it could lead to financial theft, fraud, and identity theft.

This risk highlights the importance of implementing robust security measures, such as encryption and secure access controls, to protect sensitive data in ACH transactions. Organizations must be vigilant in their cybersecurity practices to mitigate the risk of unauthorized access.

In contrast, delayed transaction confirmations, while an inconvenience, do not pose a direct risk to the security or integrity of the transaction itself. Increased payment options are generally seen as beneficial, enhancing customer satisfaction. Automated error corrections may improve transaction accuracy and efficiency, further reducing potential risks. However, these elements do not represent inherent risks associated with ACH transactions like unauthorized access does.