The data breach at 19 Indian banks that have led to more than 32 lakh debit cards being blocked or recalled is a wake-up call for the banking industry. While the actual number of complaints received so far, 641, and the sum of money that appears to have been fraudulently withdrawn, Rs.1.3 crore, are both small relative to the scale of the potential data theft, it is disconcerting that it has taken almost six months for the system to officially acknowledge the incidents and initiate steps to address them. A private bank appears to have been a point of entry for the data criminals who, according to reports, may have infiltrated using malware at ATMs operated by a third-party payment services vendor. The National Payments Corporation of India has been coordinating investigations into the incident, and a forensic audit is expected to reveal preliminary findings soon. Which of the following possible reason for the pilferage of money from Indian banks? (

• I An account of many Indians who are using Chinese mobile phones is hacked by Chinese hackers. (I
• I Information regarding bank account is leaked by officials of Indian Banks to a poacher. (II
• I Data regarding bank account are theft using malware at ATMs operated by third-party payment services vendor.