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1) Which of the following is true about payment systems as bank-owned systems?

Question options:

1)	Bank-owners has continues dominate the market

2)	Most bank-owners have shifted into non-bank

3)	All bank-owners have shifted into non-bank

4)	All non-bank has became bank-owned so far

2) Which of the following is not one of the first principles of banking?

Question options:

1)	Money Movement

2)	Access to Credit

3)	Management of Financial Risk

4)	None of the above

3 )What is the term utilized to describe innovation from the scratch vs building upon well-known principles and

Question options:

1)	"Derivative thinking"

2)	"Basic thinking"

3)	"First Principle thinking"

4)	Prime designing

4)What is a wet signature?

Question options:

1)	signature on art by a painter

2)	signature in cement or a wet surface

3)	signature on a check

4)	a signature used to uniquely identify an individual's bank account