Reasons that financial institutions need awareness of fintech developments include all the following except

FI adaptation of innovation methods found in fintech can help to create more flexible products
	b.	The high rate of return on M&A investment deals
	c.	The steep growth in private fintech investments points to possible threats and potential opportunities
	d.	Following the money in start up investments often reveal next generation businesses
	e.	Fintech investments indicate a potential for disruption in bank revenue models