Question: 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

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)

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