Given the change in banking services from the traditional format to online options over the past 5 yrs. (approx.), the use of non-bank online payment services have become more mainstream to many consumers. (a) briefly describe two online options available to consumers today. Of the two options you chose, explain which carries a greater risk of default and why. Explain your response from macro economic perspective (specific to the role of a bank - ch. 27/3). (b) between the primary methods used to access bank accounts (ref. FDIC executive summary report) which readily serves the general banking consumer better? If none applies, fully describe the OL service that best replaces either option. Explain two specific macro economic (ref. ch. 27) reasons to support your response.