Divya logs in to her online bank account using a username and password, then proceeds to transfer money from one bank account to another. What likely safeguards has the bank implemented to secure her login credentials?

a$.$ The username and password are combined and then a hash is created.

b$.$ A digest of the current password Divya set is stored for comparison.

c$.$ The password is encrypted with a strong encryption algorithm.

d$.$ It uses the PIN as the private key to encrypt the password.

e$.$ The password is stored in plaintext in a very secure repository.