20. In BLJ's View, which of the following are the two most important features of new payment methods for merchants? (p. 135; Kindle, 225 8) 1. Reducing risk of fraud and theft. 2. Ensuring they get paid by accepting methods that consumers want to use. 3. Reducing their costs of accepting and processing payments. 4. Increasing sales by attracting and retaining customers and increasing checkout speed. A. 1and2 B.2and3 C.2and4 D. 1and4 21. According to BL], one of the biggest complaints of merchants in recent years is the high fees they have to pay on purchases made with . These fees are used to cover the . (pp. 136-137; Kindle, 2288-2294) A. 'mobile phones; cost to mobile carriers of processing the payment B. checks; cost of preventing check fraud C. cash; cost of armored car services D. rewards-based credit cards; interchange fees paid to the banks issuing the cards 22. Which of the following are cited by BLJ as benets to merchants of mobile payments? (p. 13 8; Kindle, 23 1 8-23 29) 1. Provides new ways for merchants to deliver coupons and offers to potential customers. 2. Allows merchants to accept payments away from the cash register. 3. Increases consumer convenience through phone-in orders and in-aisle purchases. 4. Eliminates payments fraud. A. 1and2 B.2and3 C.1,2,and3 D. 2, 3, and4