General Intelligence · General Aptitude

Statement: India's digital public infrastructure, comprising UPI, identity systems, DigiLocker, and ONDC, has accelerated financial inclusion and reduced transaction frictions. Rural adoption, though rising, still lags urban usage due to patchy connectivity and lower digital literacy. Cyber fraud incidents are increasing as first-time users join the formal digital ecosystem. Fintechs are innovating in small-ticket credit and insurance, but responsible lending norms remain a policy priority. If the rural gap persists, the overall benefits may become uneven, risking trust in the system. Public-private collaboration is crucial to a safer and broader rollout. Which of the following inferences can be logically drawn from the statement? I. Uneven rural adoption could dilute the inclusive impact of digital infrastructure. II. Growing cyber fraud means digital finance must be regulated alongside expansion. III. Fintech innovation is harmful and should be completely discouraged. IV. Trust depends partly on user protection and literacy efforts.