From the options given below, select the option which states the correct combination of correct sentences.
I. The rapid expansion of digital infrastructure has significantly enhanced financial inclusion, enabling underserved populations to access formal banking services.
II. If the regulatory authorities would have intervened at an earlier stage, the extent of the crisis could have been considerably mitigated.
III. The organization’s performance, as well as its long-term sustainability, depends on its ability to adapt to changing market conditions and technological advancements.
IV. Many a researcher have attempted to analyze the implications of such economic transformations, but conclusive evidence remains limited.