Which of the following is an immediate consequence of failing to manage payment-system risks effectively?

Failing to manage payment-system risks effectively can lead to significant legal ramifications and penalties. When organizations do not adequately address risks associated with payment systems, they expose themselves to regulatory scrutiny, potential lawsuits, and fines from regulatory bodies that govern financial transactions. This is particularly pertinent in the context of financial regulations designed to protect consumers and maintain orderly markets.

Regulators expect businesses to implement adequate risk management practices. When these expectations are not met, businesses may find themselves facing harsh consequences, such as enforced compliance mandates, monetary fines, or even more severe actions that could negatively impact their operations and reputation.

The other options do not directly stem from poor risk management. Improved user experience and increased transaction speeds do not result from risky practices; rather, they are often outcomes of effective system management. Broader payment acceptance typically occurs when a business successfully manages its risks and capabilities to expand operations and offerings, rather than as a consequence of ineffective risk management.