QUESTION 25 Which of the following is a fintech category or alternative that generally bypasses the traditional banking industry and can provide money to new startup firms, for the arts, or for charities and disaster relief? a. peer-to-peer lending b. insurtech c. cryptocurrencies d.crowdfunding e. Ant Financial's Alipay, or Apple Pay QUESTION 26 Which of the following statements about fintech and/or the banking sector in the UAE is (are) correct? a. bitcoin is a digital currency now accepted as legal tender in El Salvador b. Dogecoin is now the biggest and most valuable cryptocurrency and legal tender in several countries C. Apple Pay and Alipay are large peer-to-peer lenders that compete with banks to give out loans d. return on assets and return on equity for UAE banks in 2020 and 2021 have been at record highs relative to 2019 and previous years e all of the above are correct QUESTION 27 Which of the following statements about loan features or additional charges and fees is correct? a. a prepayment penalty has no effect on the effective interest rate if the loan is not paid off early b. a loan origination fee has no effect on the effective interest rate if the loan is held to term or maturity c. Ioan origination fees and prepayment penalties usually increase the effective return to the bank above the quoted fixed rate on a conventional, amortizing loan d. both a and e. both b and c