MT bank is a traditional bank. Since FinTech became popular in recent years, the number of customers of the MT bank declined quickly. Therefore, the CEO of the MT bank decided to invest to FinTech to improve its business. Which of the following services can be achieved after invested in FinTech? I. Provide faster money transfer services with lower transaction cost. II. Provide integrated personal service to manage personal bills, accounts and/or credit. II. Provide a user-friendly payment system, such as customers can pay by using their mobile phones. IV. Provide a faster lending system such that customers can borrow money without accessing their creditworthiness. A. I

B. II and III

C. I, II and III

D. II, III and IV

E. All of them.