During the phase of the systems development life cycle (sdlc) model, an information systems designer must define the problem an organization faces, taking care not to define symptoms rather than the underlying problem.
a. design
b. requirements-gathering
c. planning
d. implementation

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Answerbusiness ethics;

Electronic funds transfer is the electronic transfer of money from one bank account to another, either within a single financial institution or across multiple institutions, via computer-based systems, without the direct intervention of bank staff