The process of securitization reflects

Question

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Securitization involves the pooling of cash flows from a group of assets and issuing securities backed by those assets. This process has become more popular due to advances in technology, which have made it easier to compile and manipulate data. Additionally, financial deregulation has raised the cost of funds to banks, leading them to seek alternative sources of funding such as securitization. Lastly, securitization provides a way for issuers to access public markets directly, which can result in lower costs. Therefore, all of the options listed in the question contribute to the process of securitization.

The Process of Securitization Reflects