First Community Bank Holding Company executive management has initiated an environmental scan lo determine the...

First Community Bank Holding Company executive management has initiated an environmental scan lo determine the strategy to respond to new regulatory ' standards. Management has observed that the bank has a good reputation in the marketplace, a talented workforce. 600 different options for investment strategies, and a solid management team, which is compensated substantially above industry levels. The bank is considering offering on-line securities trading as a new service to its customers. Which of the following should management consider as an external threat to First Community Bank Holding?