Respuesta :
The answer is:
b.They partner with businesses to provide credit to consumers.
By partnering up with financial service company, businesses can reduce the risk of providing transaction through credit and expand their market potential.
d.They charge a higher interest on loans to consumers than banks do.
On general, the difference between interest could be between 0.5 - 1.75 %. Bank can afford to give its service with lower interest because it typically had more consumers than financial service companies.