HSBC Holdings, one of the leading consumer banks in England, realized that one of the main complaints of foreign customers of English banks is the sizable transaction fee (sometimes 7000 Pounds, per transaction) that needs to be paid when making a wire transfer of money from one's bank account to an account in a foreign country. As a means to attract more foreign customers to its bank, HSBC thought of a way to eliminate or reduce the transaction fee for customers having accounts with HSBC using a digital strategy. HSBC found out, that the processing of overseas money transfer requests needs the inspection of the application by up to 10 or so employees, depending on the transaction type. Among the strategies listed below, which ones may look credible to explore using digital technologies:

Select one or more correct answers

a.Use ML (machine learning) to check the past money transfer transactions and learn which transactions may not need a check by bank employees.

b.Use IoT to check applications for any problems and refer only to those to be checked by bank employees.

c.Use AI to check applications for any problems and refer only to those to be checked by bank employees.

d.Use CMM to check the applications for any problems with digital governance involving money transfer transactions

e.Use BSC to check the applications for any problems with digital governance involving money transfer transactions