I)The emergence of fintechs that specialize in specific aspects of financial services that were traditionally bundled within a bank II)Low interest rates that have characterized the post-financial-crisis era III)The decreasing importance of banks' physical branch networks IV)A and C [bg_collapse view="button-orange" color="#4a4949" expand_text="Show Answers" collapse_text="Close Answer" ] IV)A and C [/bg_collapse]