What is the best way for Joaquin to avoid risks when using online banking?

To effectively avoid risks when using online banking, opting for a wired connection instead of a wireless one is a prudent choice because wired connections are generally more secure and less susceptible to interception by unauthorized parties. Wireless networks can be vulnerable to various types of attacks, such as eavesdropping or man-in-the-middle attacks, where cybercriminals can gain access to sensitive information if proper encryption methods are not in place. A wired connection, on the other hand, typically requires physical access to the network, significantly reducing the risk of unauthorized access.

While employing complex passwords, changing passwords frequently, and using a wireless connection are undoubtedly important aspects of online security, they do not address the underlying risk associated with the security of the connection itself as effectively as choosing a wired connection does. Therefore, focusing on the type of connection provides a more robust layer of security when it comes to sensitive online transactions like banking.