Question

question 7 of 13
what makes digital and mobile payments a secure alternative to traditional methods?
select an answer from the options below.
a physical presence is required
b encryption and tokenization
c immediate bank access
d lower transaction costs

Explanation:

• Option A: Physical presence is not a security - enhancing factor for digital and mobile payments. In fact, digital payments are often designed for remote use.
• Option B: Encryption scrambles data so that only authorized parties with the decryption key can access it. Tokenization replaces sensitive data (like credit card numbers) with non - sensitive tokens. These are key security measures in digital and mobile payments.
• Option C: Immediate bank access is more about convenience (e.g., for real - time fund transfers) rather than security.
• Option D: Lower transaction costs are an economic advantage, not a security - related feature.

Answer:

B. Encryption and tokenization