Which of the following is a source of internal risk in a FinTech?

The organization's employees are a significant source of internal risk in a FinTech environment. Employees have access to sensitive information and can inadvertently or intentionally contribute to compliance failures, fraud, or data breaches. Their actions, whether through negligence, lack of training, or malicious intent, can lead to significant operational and financial repercussions for the organization.

Additionally, employees may undermine the effectiveness of internal controls if they do not adhere to established processes, or if they lack the necessary understanding of compliance requirements. This highlights the importance of implementing robust training programs and cultivating a strong culture of compliance among staff to mitigate internal risk.

While the other options can be sources of risk, they pertain to external factors or influences rather than internal sources like employees.