The development team is behind schedule due to delays in finalizing user interface designs.

The client has requested additional features, such as biometric login and real-time fraud alerts, which were not part of the original plan.

Several key software developers left the company mid-project, leading to a shortage of experienced programmers.

The cost of licensing third-party security software has increased, putting pressure on the project budget.

There is a possibility that new government regulations on data privacy might require major changes to the app's architecture.

The initial testing phase revealed multiple security vulnerabilities, requiring major fixes before launch.