28. BIJ view banks as being than many other industries to adopt new technology , citing the example of banks" in the 1980s . ( pp . 147 - 148 ; Kindle , 2457- 2468 ) A. slower ; lack of interest in using mainframes to process check payments B. slower ; failure to adopt A I'Ms on a large scale C. faster ; large - scale implementation of AIMS D. faster ; introduction of digital currencies 29. According to BIJ , relationships with customers are* to banks in today's world , one reason being that relationships _. ( P. 148 ; Kindle , 2481 ) A. undesirable ; require too much hand- holding by bank personnel B. undesirable ; are not valued by millennials C. desirable ; enable the bank to cross - sell multiple services* D. desirable ; enable the bank to save money on technology 30 . According to BIJ , which of the following are aspects of the payments business that banks find attractive ? ( p . 149 ; Kindle , 2493 )| 1 . Payments business creates " stickiness" in consumers' choice of banks 2 . Payments business is more stable and less risky than lending .* 3 . Revenues are often not transparent , reducing chance that customers will complain . A. I only* B. I and 2 C . 2 and 3