SOLVED

 11)Smart cards can be used as credit cards, debit cards, stored-value money cards, or loyalty cards. 12)Bitcoin is a type of digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds, operating independently of any central bank. 13)B2C e-commerce is much larger than B2B e-commerce by volume, but B2B e-commerce is more complex. 14)When manufacturers sell directly to customers, this is called disintermediation. 15)With the Internet, intermediaries have no value in any industry. Â