Based on the team composition criteria established by the HR department, which of the following options cannot be a valid 5-member team?

Given the conditional argument: 'If she loses, she will win.' Select the option that is logically equivalent/consistent with the given statement.

Statement: The Reserve Bank of India (RBI) has announced an expansion of the Digital Rupee pilot project to cover more banks, payment service providers, and retail merchants. The move is aimed at enhancing financial inclusion, reducing cash dependency, and ensuring faster and cheaper transactions. The RBI has also assured that the Digital Rupee will not replace physical currency but will complement it, while strict cybersecurity frameworks will be implemented to prevent fraud. Which of the following can be inferred as valid conclusions from the statement? I. The Digital Rupee aims to improve payment efficiency and promote financial inclusion. II. RBI is completely replacing physical currency with the Digital Rupee. III. Cybersecurity measures are crucial for building public trust in digital transactions. IV. Retail merchants may experience reduced transaction costs and faster settlements.