Ant Financials developed new method called 3-1-0 what does it stand for?

Select one:

a. 3-minutes application, 1-second approval and 0 human intervention

b. 3-minutes approval, 1-second application and 0-minutes cash disposal

c. 3-1-0 is marketing campaign used to induce new clients to join in

d. 3-minutes application, 0-second approval and 1 human intervention