Which of the following is considered an ADVANTAGE (pro), rather than a disadvantage (con), of a Digital Economy?

Consider the following statements regarding the benefits and challenges of digital payments: I. They provide a clear record of all transactions, making it easier to track spending and manage budgets. II. They boost financial inclusion and promote cashless transactions, contributing to overall economic growth. III. Their widespread adoption is unhindered by infrastructure limitations, as universal access to smartphones and financial literacy has been achieved. IV. While encrypted and secure, they remain vulnerable to hacking, phishing scams, and disruptions from technical glitches. Which of the statements given above are correct?

The concept of 'Digital Economy' primarily refers to economic activity resulting from the convergence of: