A Customer Service Representative for a Large Financial Institution Noticed

Multiple Choice

A customer service representative for a large financial institution noticed that several of the bank's customers had recently closed accounts and paid off loans long before the loans were due.He also noticed that most of the customers had closed their accounts shortly after a competitor had opened a new branch nearby.The fundamental source of this marketing problem might best be described as

A) a planned change in the marketing environment.
B) serendipity.
C) the presence of a new competitor.
D) an unplanned change in the marketing environment.
E) None of the above.