16-61 Which of the Following Explains Why ATM Networks Have

16-61 Which of the following explains why ATM networks have grown relatively slowly in countries such as Sweden and Singapore?

A) Absence of interregional banking restrictions in these countries.
B) Prevalence of nationwide branching and banking in these countries.
C) Prohibitive charges imposed for the use and leasing of domestic telephone lines.
D) Crime and fraud risk.
E) None of the above.