One of the challenges of User Application Development is:

The correct choice highlights a significant concern associated with User Application Development: increased operational risks from user developers. When end users create their own applications, they often lack formal training in software development practices, which can lead to several issues.

User-developed applications might not be subjected to standard IT governance and quality control measures that ensure security, reliability, and performance. This can result in applications that are poorly designed and prone to bugs, potentially leading to data breaches or system failures. Additionally, user developers may inadvertently expose sensitive information if they don't understand security protocols, further complicating risk management.

While other aspects of user application development can lead to advantages such as faster delivery and improved collaboration, the associated risks cannot be overlooked. These risks necessitate meticulous monitoring and management by IT departments to ensure that the benefits do not come at the expense of organizational security and operational stability.