随着系统接口数量和复杂性的增加，故障和延期的风险也会增加。
As systems interfaces count and complexity increase, the risks of outage and schedule slip also increase.
如果系统性风险出现，消费者只能延期还款，所有的风险将转移到银行。
If the systematic risks, consumers can only postponed repayment, all risk will be transferred to the bank.
也有一种可能即银行从业者证明已经存在极高风险或错误的情况下，薪水将被延期支付，并要扣回款项。（这句翻译不清）
There may also be a possibility of payment deferral and the option of clawing payments back should decisions by bankers prove to have been excessively risky or erroneous.
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