Financial intermedEconomies of scale are a. charges to savers and borrowers imposed by banks in exchange for reducing transactions costs. b. the reduction in costs per unit that accompanies an increase in volume. c. decreases in transactions costs that occur as information costs increase. d. decreases in information costs that occur as transactions costs increase.iaries emerged a. to make loans to governments. b. to provide a market for municipal bonds. c. to reduce transactions costs for small savers and borrowers. d. to reduce transactions costs for traders in stocks and bonds