As Banks Have Increased the Use of Technology Over the Past

As banks have increased the use of technology over the past 20 years,

A) noninterest income as a percent of total operating income has approximately doubled.
B) there has been a decrease in the importance of the LVTS.
C) there has been an increase in negative net present value because of the speed in which rivals can replicate innovations.
D) banks no longer need to consolidate because they can access customers worldwide through internet services.
E) noninterest expense as a percent of total operating income has decreased as supporting branch banking has decreased in importance.