Concept:A credit transfer enables a bank to pay many people from one account in a single instruction.
Explanation:The question describes making one payment to many people at the same time without writing separate cheques.
A credit transfer directly moves money from the payer's bank account to multiple payees' accounts in one operation.
It is a single payment instruction that the bank processes for many recipients at once.
A debit transfer is used for collecting payments, not for making bulk payments.
Certified cheques and crossed cheques are still individual cheques, so they do not replace separate cheques.
Therefore, the correct choice is credit transfer.
Answer:B. Credit transfer