Name the best reason why the challenger banks do not start their business with the branch-based distribution strategy Question 4 options: 1) Acquisition costs per customer in-brunch are five- to ten-times the acquisition costs offirm 2) Investors are all about scale and therefore won't fund branch network for FinTech 3) The cost of deploying a high impact physical location in a FinTech-rich city would likely be more than the entire development cost of a FinTech's basic app or technology 4) Every FinTech is trying to compete in real time for customers, thus they must eliminate the need for a "wet" signature or face-to-face interaction, as it would slow down revenue and growth detrimentally