Which of the following implies that small FIs are more cost efficient than large Fls, and that in a freely competitive environment for financial services, small FIs may outperform their larger counterparts? Select one: A. Diseconomies of scale. B. Constant returns to scale: C. Diseconomies of scope. D. Economies of scale. E. Economies of scope. The increased use of wire transfers as a replacement for check and cash payments has decreased the risk of fraud. Select one: True False Which of the following is NOT a retail banking service? Select one: A. Automated teller machines. B. Point of sale/debit cards. C. Pre-authorized debits/credits. D. Telephone bill paying services. E. Check deposit services. Between 2012 and 2017 the number of consumer complaints to the cfpe grew at an average annual rate of 289 Select one: True False Delaware and South Dakota have become leading states in the distribution of some financial services because of liberal regulations: Select one: True False Between 2011 and 2014 , the dollar value of all methods cashless payment more than doubled. Select one: True False