which of the following present the most significant obstacle to developing IT security if we consider commerce and marketing?

There is no direct return on investment in building security systems.

Security systems are detrimental to usability and can make IT systems less functional, and therefore less attractive to the customer.

There is pressure to reduce the time it takes to get a new IT product or system onto the market, so security systems are sacrificed in order to reduce the time-to-market.

Explanation:

Cyber security has always been challenging for the organizations. There have been groups which are always looking for loop holes in cyber security and hacks the details and asks the ransom to restore. IT systems have now been more complex in this era. Users are increasing every new day and network accounts security is more demanding. Computer connection are more complex and require special attention to control them. The obstacles in IT systems are of concern as there is need for dynamic IT solution to counter the challenging hackers.  New programs and customized demand of IT systems need customized IT security systems.