Social networking sites can reduce organizations' costs by

The answer to this question is providing an inexpensive medium for targeting a large customer base.
Through social networking sites (such as facebook, instagram , or twitter) advertisers will have the platform to increase people's awareness toward their products with basically no cost at all. Such viewership will be a lot more expensive if pursued through televisions or billboard.

Your answer is c the bank manager might not improve a loan people take big risks when they ask there bank for a loan.