Organizational isomorphism is a concept used by sociologists to explain why organizations in the same field tend to become over time.
1) decreasingly similar
2) increasingly similar
3) decreasingly competitive
4) increasingly competitive

2) increasingly similar

Explanation:

Organizational isomorphism is a concept used by sociologists which means  

a similarity of the processes of one organization to those of another organization.  Regardless of how unique the organization it is, will eventually operate in the same way of other organization in the same field.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

explanation: doctrine of respondeat superior is a legal doctrine that is commonly used in tort. this principle makes an employer or principal legally responsible for the wrongful acts done by an employee or agent, if such acts occur within the scope of the employment or agency.