Talk about the credit card industry in terms of the product life cycle. Where is it in the life cycle framework? Where do you see growth coming from in the credit card industry in the next 5 years?
a) Introduction stage; growth expected from increased adoption of digital payment solutions
b) Growth stage; growth expected from expanding into emerging markets and offering innovative rewards programs
c) Maturity stage; growth expected from introducing new features and benefits to retain existing customers
d) Decline stage; growth expected from diversifying into new financial products and services
