read following source and answer: https://businesstech.co.za/news/banking/528152/battle-of-the-banks-capitec-vs- standard-bank-vs-fnb-vs-absa-vs-nedbank/ 1.4 Organisations such as banks offer services. Unlike products, services have four distinctive characteristics that greatly affect the design of marketing programs: intangibility, inseparability, variability, and perishability. Discuss the strategies that can be adopted by banks to effectively address the challenges posed by these services characteristics. (20)