What Factors Are Encouraging Financial Institutions to Offer Overlapping Financial

What factors are encouraging financial institutions to offer overlapping financial services such as banking,investment banking,brokerage,etc.?
I. Regulatory changes allowing institutions to offer more services
II. Technological improvements reducing the cost of providing financial services
III. Increasing competition from full-service global financial institutions
IV. Reduction in the need to manage risk at financial institutions

A) I only
B) II and III only
C) I,II,and III only
D) I,II,and IV only
E) I,II,III,and IV

Correct Answer:

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