Many Consumers Who Use Online Banking Facilities Are Reluctant to Change

Multiple Choice

Many consumers who use online banking facilities are reluctant to change banks because of the effort it would take to change automatic and online payment accounts.The change requires a lot of hassle,including time and effort to cancel old accounts and setting up new ones.There is also the probability of missing bill payments altogether.The costs associated with such liabilities explain the customers' reluctance to change.These costs are called _____ costs.

A) infiltrating
B) shilling
C) switching
D) hoarding
E) temporal