निम्नलिखित में से कौन सी भुगतान प्रणाली बिना किसी नेटिंग के, व्यक्तिगत ऑर्डर के आधार पर निरंतर और वास्तविक समय में धन के हस्तांतरण की सुविधा प्रदान करती है?

The SWIFT system in international banking primarily facilitates:

Consider the following statements regarding the integration of technology in retail banking: Statement 1: The integration of AI in retail banking has shifted customer engagement from reactive service to proactive financial management. Statement 2: NLP-powered chatbots and virtual assistants can resolve up to 80% of routine queries without human intervention. Statement 3: Machine Learning models are used for real-time credit scoring to offer loans to previously underserved customers. Statement 4: Robotic Process Automation is primarily used to replace the board of directors of a bank for strategic decision-making. Statement 5: AI-driven fraud detection systems can analyze billions of transactions in milliseconds to block fraudulent activities. Statement 6: AI-powered robo-advisors offer low-cost, automated wealth management based on the user's risk profile. Statement 7: The use of technology in banking is strictly limited to urban areas due to lack of rural internet access. Which of the statements above are correct?