The main risk associated with using public Wi-Fi networks is data security. Public networks often lack proper encryption, making it easier for cybercriminals to intercept sensitive information. Users are vulnerable to attacks such as man-in-the-middle where attackers can eavesdrop or gain unauthorized access to accounts and private data. Additionally, malware can be distributed through unsecured connections. To mitigate these risks, users should implement VPNs and avoid accessing sensitive accounts while on public Wi-Fi, ensuring that their personal and financial information remains secure.