12 . BIJ say that many payment providers view fraud as All example is the decision by card networks to . ( P. 22 ; Kindle , 456 ) A . a cost of doing business that needs to be managed but not eliminated ; require* signatures on all payments* B. a cost of doing business that needs to be managed but not eliminated ; not require* signatures on low - value payments C. a risk for which there should be zero tolerance ; require signatures on all payments D. a risk for which there should be zero tolerance ; not require signatures on low - value* payments 13 . In Ch. 8, BIJ say the most dramatic change in consumer payment behavior in recent* years has been a sharp increase in the use of_ . ( pp. 130 - 131 ; Kindle , 2175- 2200 ) A. cash B. checks C. credit cards D. debit cards 14 . To which of the following factors do BIJ attribute the change in the previous* acting ? in 130 . Kindle 1 75_ _ 1RT';`