Question 4 [20] Marcus entered the market in October 2016 with the launch of its online lending product. There have been many changes over the last four years including the existential threat of Covid-19 and the subsequent economic crisis. To date Marcus has positioned itself as a modern online digital bank that is on the side of the consumer. It has acquired and integrated the GE Deposits business, entered the UK market, launched a new credit-card with Apple, and bought the personal-finance start-up Clarity Money a. Evaluate Marcus vision (i.e., modern online digital bank that is on the side of the consumer)? (10) b. Critically assess the impact of Covid-19 within the FSI. (10) c. Give your opinion by critically arguing if Marcus positioned itself appropriately for a Covid-19 future?