A for many years, a large number of people have remained unable to access affordable credit.
B in a long time, banks and governmental administration were unable to collaborate systematically.
C many people have not been interested in becoming eligible for low-income credit access programs lately.
D despite the new technology, most people do not have access to e-commerce, because they are in debt.
E the increase in the credit card eligibility has contributed to higher profits for financial institutions.