which of the following most accurately describes direct finance? the lenders and borrowers come together in a market setting. a bank possesses insider information that instantly affects the saver. the lenders and borrowers interact through a financial intermediary. a seller has a critical piece of information that immediately affects the transaction. in the following table, identify examples of direct versus indirect finance. direct finance indirect finance teresa borrows money from a friend and gives them her iou. andrew comes to cross river bank bank to deposit funds and beth comes to the same bank to borrow funds.