(b) Initially Bank A provides lending services while Bank B is selling commercial paper to the customers. After that, Bank A tries to provide both lending and commercial paper services. By employing the technology, Bank A is able to obtain the lower total cost of both services. Which type of cost effect fulfills this scenario for Bank A? Discuss and justify your answer with support. (Word limit = 300) (10 marks) (b) Initially Bank A provides lending services while Bank B is selling commercial paper to the customers. After that, Bank A tries to provide both lending and commercial paper services. By employing the technology, Bank A is able to obtain the lower total cost of both services. Which type of cost effect fulfills this scenario for Bank A? Discuss and justify your answer with support. (Word limit = 300) (10 marks)