<prompt> Translate the following text to SwahiliThe risk of improper payments increases in programs with 1 complex criteria for computing payments, 2 a significant volume of transactions, or 3 emphasis on expediting payments.  <response>: Hatari ya malipo yasiyofaa huongezeka katika programu zilizo na 1 vigezo tata vya kuhesabu malipo, 2 kiasi kikubwa cha shughuli, au 3 msisitizo juu ya kuharakisha malipo. 