Passage:
In recent years, India has witnessed rapid growth in digital payments, with more people using online platforms for daily transactions. Government initiatives promoting digital infrastructure and increasing smartphone penetration have accelerated this shift. However, experts believe that despite the growth of digital transactions, challenges such as cyber fraud, lack of awareness among some sections of society, and the need for stronger digital security systems remain important concerns. Financial institutions are therefore focusing on improving security measures while making digital services more accessible. Which of the following can be best inferred from the above passage?