Explanation: SaaS stands for Software as a Service, which is a cloud service model that provides ready-to-use software applications over the internet. The cloud service provider (CSP) is responsible for managing and maintaining the software, including its development, deployment, updates, security, availability, and performance. The customer only needs to access the software through a web browser or a client application, and pay for the usage or subscription. SaaS puts the most liability on the provider with regard to shared responsibility, as the provider handles most of the security and operational tasks for the software, and the customer has minimal control and customization options. Examples of SaaS applications include email, CRM, ERP, accounting, and collaboration tools.
The other cloud service models put less liability on the provider and more on the customer, as the customer has more control and responsibility over the cloud resources. IaaS stands for Infrastructure as a Service, which provides virtualized computing resources such as servers, storage, and networking over the internet. The CSP is responsible for securing and maintaining the physical infrastructure, while the customer is responsible for managing the operating system, applications, data, and configurations. PaaS stands for Platform as a Service, which provides a cloud-based environment for developing, testing, and deploying software applications. The CSP is responsible for managing the underlying infrastructure, middleware, and runtime environment, while the customer is responsible for developing, deploying, and managing the applications and data. BPaaS stands for Business Process as a Service, which provides a cloud-based platform for automating and orchestrating business processes. The CSP is responsible for managing the platform, including its integration, security, and scalability, while the customer is responsible for defining, executing, and monitoring the business processes and rules.
Therefore, the correct answer is D. SaaS, as it puts the most liability on the provider with regard to shared responsibility.
References: Cloud Computing Service Models, Shared responsibility in the cloud, Understanding the Shared Responsibilities Model in Cloud Services.