The answer is the risk of data breaches. This is correct because in ITIL 4, when a consumer uses a service, they transfer specific operational risks to the provider, who then assumes responsibility for managing those risks as part of the service delivery. In the case of an online banking platform, the provider takes on the risk of securing sensitive financial data, including preventing breaches, since the consumer no longer controls the underlying infrastructure or security measures. On the ITIL 4 Foundation exam, this concept tests your understanding of the service relationship and how risk ownership shifts between roles, often appearing in questions about cloud or outsourced services. A common trap is confusing transferred risk with shared risk—remember, the provider fully owns the risk once it is transferred. Memory tip: think of "data breach" as a "provider's problem" when the consumer hands over the keys to the platform.
ITIL4F Key Concepts of ITIL 4 Practice Question
This ITIL4F practice question tests your understanding of key concepts of itil 4. Read the scenario carefully and evaluate each option against the stated constraints before committing to an answer. After answering, compare your reasoning against the explanation and wrong-answer breakdown below. Once you have made your selection, read the full explanation to reinforce the concept and understand why each distractor is designed to mislead on exam day.
A service provider offers an online banking platform. Which of the following is an example of a risk that is transferred from the consumer to the provider?
Answer the question above first, then reveal the full breakdown to understand why each option is right or wrong.
Correct answer & explanation
✓
The risk of data breaches
By using the service, the consumer transfers the risk of managing data security to the provider. The provider is responsible for securing the platform.
Key principle: Answer the scenario, not the keyword: identify the specific constraint before choosing the most familiar-sounding option.
Answer analysis
Option-by-option breakdown
For each option: why learners choose it and why it is or isn't the right answer here.
✗
The risk of losing internet connectivity
Why it's wrong here
Internet connectivity is usually the consumer's responsibility, not transferred.
✗
The risk of employee turnover
Why it's wrong here
Employee turnover is an internal risk to the consumer organization, not transferred.
✓
The risk of data breaches
Why this is correct
The provider manages security controls, thus taking on the risk of data breaches.
Related concept
Read the scenario before looking for a memorised answer.
✗
The risk of regulatory fines
Why it's wrong here
Regulatory compliance may be shared, but the specific fine risk can remain with the consumer.
Common exam traps
Common exam trap: answer the scenario, not the keyword
Many certification questions include familiar terms but test a specific constraint. Read the exact wording before choosing an answer that is generally true but wrong for this case.
Detailed technical explanation
How to think about this question
This question should be treated as a scenario, not a definition check. Identify the problem, the constraint and the best action. Then compare each option against those facts.
KKey Concepts to Remember
Read the scenario before looking for a memorised answer.
Find the constraint that changes the correct option.
Eliminate answers that are true in general but not in this case.
Use explanations to understand the rule behind the answer.
TExam Day Tips
→Underline the problem statement mentally.
→Watch for words such as best, first, most likely and least administrative effort.
→Review why wrong options are wrong, not only why the correct option is correct.
Key takeaway
Answer the scenario, not the keyword: identify the specific constraint before choosing the most familiar-sounding option.
Real-world example
How this comes up in practice
A practitioner preparing for the ITIL4F exam encounters this exact type of scenario on the job. The correct answer here is not the most general option — it is the best answer for the specific constraint described. Answer the scenario, not the keyword: identify the specific constraint before choosing the most familiar-sounding option. Real exam questions reward reading the full scenario before eliminating options, because the constraint defines which answer fits.
What to study next
Got this wrong? Here's your next step.
Identify which ITIL4F exam domain this question belongs to, then review the specific concept being tested. Practise related questions in that domain and focus on understanding why each wrong answer is tempting — not just why the correct answer is right.
Key Concepts of ITIL 4 — This question tests Key Concepts of ITIL 4 — Read the scenario before looking for a memorised answer..
What is the correct answer to this question?
The correct answer is: The risk of data breaches — By using the service, the consumer transfers the risk of managing data security to the provider. The provider is responsible for securing the platform.
What should I do if I get this ITIL4F question wrong?
Identify which ITIL4F exam domain this question belongs to, then review the specific concept being tested. Practise related questions in that domain and focus on understanding why each wrong answer is tempting — not just why the correct answer is right.
What is the key concept behind this question?
Read the scenario before looking for a memorised answer.
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Question Discussion
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