Which of the following statements is true? ( ).

参考解析：

是非题。从选项当中找关键词定位，D选项关键词potential borrower，定位至第二段最后一句“Now tech startups are entering the market with innovative techniques for underwriting and approving potential borrowers, often in seconds.”可以很明显的看到，原文当中说的是in seconds，仅仅几秒钟之内，并非选项当中的several days, 故排除D项。A选项表述错误，原文当中说到顾客过去使用信用卡和借记卡。C选项定位“are now opting to borrow at the checkout, often with an initial 0% interest rate.”，原文当中说的是信贷最开始是零利率，但没有说一直是零利率的。B项定位至“These short-term credit products were once the domain of big banks like Wells Fargo, which finances consumer purchases”，可知，传统的大型银行也提供短期信贷产品，故本题正确答案选B。