Question: The following question references the first article in the packet linked above - - How Ping An , an Insurer, became a Fintech Super -

The following question references the first article in the packet linked above--"How Ping An, an Insurer, became a Fintech Super-App."
Ping An's ability to select/produce superior salespeople is an example of:
A beneficial transaction cost
An anticompetitive economy of scope
A core competency
A flexibility
The following question references the first article in the packet linked

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