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Question 66 (1.25 points)

Which of the following is NOT something that contributes to FinTech as being a disruptive process?

Question 66 options:

1)	Artificial intelligence, which now plays a role in differentiating financial services products as it replaces complex human activities.

2)	New trading platforms that are collecting data to create an aggregated market view and using analytics to uncover trends.

3)	Insurance products, which are becoming more tailored to customers who, in turn, are demanding coverage for specific locations, uses and timeframes. This is driving insurers to collect and analyze additional data about their clients.

4)	The growth of online shopping, which is expanding quickly at the expense of in-person shopping, leading to the dominance of online, cashless solutions for transactions.

5)	Artificial intelligence is integrating FinTech into everyday transactions, making it easier for the user to use international services and have easy access to foreign markets and international assets.

Question 67 (1.25 points)

Between 1980 and 2000, Europe suffered from a couple of changes in regards their economy. From the list below, which was the most significant change?

Question 67 options:

1)	Reunification of east and west Germany, European single market exchanges come into effect (commonly known as the European union), and a European single currency is created.

2)	The Bank of France and the four largest deposit banks are nationalized, the US Employment Act, The Marshall Plan, the European Recovery Program, and the Organization for European Economic Cooperation were formed.

3)	Huge amounts of capital was imported from Britain, the US Gold Standard and the Currency Act were originated, the Industrial Bank of Japan was founded, and the Straits Settlement (Singapore) dollar was introduced.

4)	An International bank crisis started in New York and hundreds of American banks failed. In contrast, Britain weathered the storm with ease, and this motivated proposals for a system of central banks in the U.S.

5)	The U.S. Postal Savings system was established. Because of opposition from commercial banks, the postal savings system did not develop in a substantial way.

Question 68 (1.25 points)

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According to CNBC (2018), mPESA, a mobile banking system, enabled Kenya to:

Question 68 options:

1)	transfer money.

2)	pay bills.

3)	take out loans.

4)	reduce poverty.

5)	All the above.