Citibank tells its customers that they must wait until the next day to see their online payments reflected in their accounts. Write a memo describing whether Citibank is using batch processing or OLTP mode to process online credit card payments. Describe the reason(s) you think Citibank uses this mode of processing for credit card payments. In your memo, describe your experiences making payments to credit card, utility, bank, or mortgage companies where your payment did not post until the following day.