Answer: d) Persistence
Step-by-step explanation:
Persistency is defined as the mechanism in which something is continuously followed , practiced,acted or believed even if their is opposition against it.It displays determination of something.
According to the question, persistence is shown through Matt's decision because he is constantly trying completely to learn about the new billing process through modules even though he doesn't find sense in the process
Other options are incorrect because direction, pleasant working habits, intensity and fixation of process is not shown through continuation of act or idea even in presence of opposition.Thus, the correct option is option(d).