Some consumers may not understand the high cost of borrowing in the alternative financial services market and instead focus on the to justify using alternative financial services.

convenience.

Explanation:

Borrowing involves obtaining an item at a current time where payment is made at a later time. Borrowing in most cases seems convenient but in the long run the individual that borrowed must pay for what he/she borrowed to obtain. Borrowing is costly for a consumer because the consumer is required to pay for what they borrowed and in most cases at a higher cost.

d. low interest rates