More specifically, this problem is unlike any other. This means that banks/bank holding companies generally issue their own credit cards through them, except that payments are directed to an outside service. However, in this case, X-Bank is responsible for all card-related services. Thus, cardholders allocate their payments to X-Bank versus an outsourced organization. Additionally, this problem contains the idea of ​​cost/quality structure. In an effort to appear attractive to potential customers, X-Bank offered lower fees or no fees. As a result, X-bank attracted lower quality companies than had been desired. Unfortunately, no solution has been put in place to eliminate the problem of late fees, as X-bank does not seek to alienate its customers by harassing them with late fees. Additionally, this dilemma could be considered a Type I-Type II error. More precisely, this implies a type II error since X-bank accepts unhealthy companies operating their services. In the same way, X-bank erodes one of its own objectives. Ideally, the goal of X-bank's new services was to increase the company's revenue and profits. However, accepting companies that fail to make their payments does not make it easier to achieve the goal they have set for themselves, as they will not be able to increase their profits and revenues in this way. Solving this problem involves several details, but they should specifically research what other companies have done and explore successes and failures.