by $\_\_\_\_\_$ Fiserv is able to offer different but related electronic payment products and$/$or services $($e$.$g$.$ clover; omnichannel solutions$)$ to their merchant customers. This use of strategic resources reflects the collective learning on the part of the Fiserv. a$)$ leveraging their dynamic capabilities b$)$ achieving process gains c$)$ using portfolio analysis d$)$ leveraging core competencies