ABC and JKL operate in the financial services market. ABC's focus is on making customers' lives easier. It offers a fully personal service to all customers. All customer-facing staff are able to make around 90% of decisions without referring up to a manager making the customer experience easier. JKL has closed all physical locations. Its focus is on offering the best products through the use of analytics and have employed experts in software intelligence to ensure that the customer on-line experience is easy and reliable. The World Economic Forum project on the Digital Transformation of Industries (DTI) identified five successful digital operating models. Which of the DTI operating models are being used by ABC and JKL? a. ABC is open and liquid and JKL is Skynet. b. ABC is customer centric and JKL is Skynet. c. ABC is customer centric and JKL is data powered. d. ABC is extra-frugal and JKL is open and liquid e. ABC is Skynet and JKL is customer centric