Your company is responsible for storing the credit history of citizens of ABC country. The government proposes that all financial institutions before lending must ensure that the candidate has a minimum credit score. Which of the following would you choose to build this service? Choose one answer.

A web service provides platform-independent, standards-based access that any financial institution can integrate with using HTTP/SOAP or REST, regardless of their technology stack. EJBs require Java EE clients, IIOP is CORBA-based and complex, and JMS is asynchronous messaging - none provide the universal accessibility needed for a national credit checking service.