Consider the following about the recent report of RBI over Digital payment complaints:
I. It was received Under Integrated Ombudsman scheme of the Reserve Bank of India and Consumer Education Protection Cell.
II. It was 9.4% higher than the previous year.
III. Complaints relating to digital modes of payment and transactions were the highest. Which of the above statement is/are correct?

The Integrated Ombudsman scheme of the Reserve Bank of India and Consumer Education Protection Cell (CEPC) received 418,184 complaints in 2021-22, which is 9.4% higher than the previous year. Complaints relating to digital modes of payment and transactions were the highest, constituting 42.12% during the year. The rate of disposal of complaints improved to 97.97% in 2021-22 from 96.59% in 2020-21. Reserve Bank-Integsrated Ombudsman Scheme (RB-IOS) A Scheme for resolving customer grievances in relation to services provided by entities regulated by Reserve Bank of India in an expeditious and cost-effective manner under Section 35A of the Banking Regulation Act, 1949 (10 of 1949), Section 45L of the Reserve Bank of India Act, 1934 (2 of 1934) and Section 18 of the Payment and Settlement Systems Act, 2007 (51 of 2007).