According to Chapter 6 in Bank 4.0 (FinTech or TechFin - Friend or Foe), what are some of the main benefits banks cite from collaborating with FinTechs? Question 15 options: 1) Increased regulations, faster product development, new customer demographics. 2) Lower costs, brand refresh, increased revenue. 3) Improved security, increased branches, expanded product portfolio. 4) Larger workforces, decreased digitization, improved culture