एक ग्राहक अपने बैंकिंग ऐप के भीतर एक डिजिटल 'वेल्थ मैनेजमेंट' मॉड्यूल का उपयोग करता है। वे एक वित्तीय लक्ष्य निर्धारित करते हैं। ऐप स्वचालित रूप से एक विविध पोर्टफोलियो का सुझाव देता है, बाजार के प्रदर्शन के आधार पर तिमाही रूप से इसे पुनर्संतुलित (rebalance) करता है, और एक-क्लिक सिस्टमैटिक इन्वेस्टमेंट प्लान (SIP) सेटअप की अनुमति देता है। यहाँ कौन सा डिजिटलीकरण घटक कार्य कर रहा है?

Which of the following descriptions best represents a highly advanced implementation of Artificial Intelligence in modern retail banking underwriting workflows?

Consider the following statements regarding the regulatory framework for digital retail banking in India: Statement 1: The Reserve Bank of India framework mandates that the Video-based Customer Identification Process (V-CIP) must be conducted by an authorized official in a live environment. Statement 2: This live interaction captures the live photograph of the customer along with a clear image of their PAN card while verifying geographical location through geo-tagging. Statement 3: The digitalized process incorporates the Account Aggregator ecosystem, allowing banks to act as a Financial Information User (FIU) to fetch data from a Financial Information Provider (FIP) with customer consent. Statement 4: Data shared through the Account Aggregator is stored permanently within the systems of the aggregator itself to ensure a backup ledger. Statement 5: UPI LITE is an on-device wallet allowing low-value transactions up to ₹500 without a UPI PIN, reducing the real-time load on Core Banking Systems. Statement 6: A standardized Key Fact Statement (KFS) detailing the all-inclusive annual percentage rate must be provided to the borrower before loan contract execution. Statement 7: Card Tokenization replaces the 16-digit Primary Account Number with a unique token specific to a merchant and device. Which of the combinations correctly identifies the true statements?