M&B Bank Ken Is a Senior Manager at M&B Bank. Initially, He

M&B Bank
Ken is a senior manager at M&B Bank. Initially, he started as a front counter worker and slowly progressed up the career ladder. In his role as a senior manager, Ken is keeping a keen eye on the industry, the Federal Reserve System, and the bank's competitors. Ken's previous boss did not do that well, and as a result the bank had suffered.
Several employees have pointed out that many businesses are not aware of the procedures for or a systematic way to evaluate the creditworthiness of their customers, collect past-due payments from customers, and protect their businesses from such losses. Based on feedback from several employees, M&B has decided to offer credit-counseling workshops for individuals and small businesses.
-Refer to M&B Bank. As Ken keeps an eye on the industry, he notices many changes. Which of the following is not a change that Ken would have noticed or obtained information about?

A) Importance of customer service
B) Consolidation and mergers
C) Increased competition from nonbank competitors
D) Growth in online banking
E) Decrease in the use of credit cards and debit cards