ABC BankCorp operates two subsidiaries, GloboBank and LocalBank, with different brandings.

When configuring mobile app channels for ABC BankCorp's Transaction Dispute application to accommodate GloboBank and LocalBank, certain requirements directly influence the need for separate channels due to differing functionalities or branding.

B. Customers can create only dispute cases, while CSRs can also create fraud report cases: This requirement indicates a functional difference between the apps intended for customers and CSRs. The ability of CSRs to handle additional case types (fraud report cases) necessitates a tailored app configuration to support these distinct functionalities, likely leading to the need for separate app channels for customers and CSRs.

C. Mobile app color palette is customized for each subsidiary: The requirement for subsidiary-specific branding, including color palettes, directly impacts the app's UI design. To maintain distinct brand identities for GloboBank and LocalBank within the app, separate mobile app channels would be required to accommodate the different branding elements for each subsidiary.

Supporting both phones and tablets (A) and customizing currency units and date/time format according to the user's locale (D) are requirements that can typically be met within a single mobile app channel through responsive design and localization features, and thus do not inherently require multiple app channels.