A) Reducing fixed and marginal costs of producing financial services. B) Reducing information asymmetries. C) Disabling customization of financial services to construct more simplified markets. D) Both A and B are correct. Answer: D is the correct answer. Embedding tailored financial products into non-financial activities can decrease customer acquisition costs. Also, better information between client and lender improves risk assessment therefore possibly reducing the need for collateral. But, because of newer technology, more complex customization of financial services could actually reduce costs as many more previously excluded customers with complex situations are able to be served