Why do you think Internet exclusivity
translates to higher rates on interest-bearing accounts?

Because online only financial institutions are currently in higher demand than brick-and-mortarbanks they are able to charge a higher interest rate due to supply and demand.

Explanation:

mass production/ assembly line production

- "bill clinton ( the 42nd u.s. president, served in office from by low unemployment, declining crime rates and a budget surplus. during clinton's second term, the u.s. economy was healthy, unemployment was low and the nation experienced a major technology boom and the rise of the internet."