Final answer:
Whether or not to apologize when delivering bad news about transactions depends mainly on the medium used for the message.
Step-by-step explanation:
When delivering bad news about transactions, whether or not to apologize depends mainly on the medium you are using for the message. If you are delivering the news in person or through a personal communication channel, it is generally considered appropriate to apologize as a way to show empathy and maintain a good relationship with the customer. However, if the medium is more formal, such as a written letter or email, it may be more appropriate to express regret without explicitly apologizing.