Instead of creating a single large solution that includes all of INGs products and services, ING has chosen to create smaller products that serve the needs of different groups of customers. Therefore, this option is correct.
Customers are increasingly expecting organizations to meet their new needs as soon as those needs emerge. ING accomplishes this by dividing large tasks into smaller products and services that can be rolled out to customers sooner compared to a single large product or solution that would take much longer to develop and perfect. Therefore, this option is correct.