Soru

Read the following passage from a journalistic article:

"In recent years, Peru has experienced a quiet financial revolution driven by mobile banking applications. Traditionally, more than half of the country’s population operated entirely outside the formal banking system, relying solely on cash transactions. However, the rapid adoption of digital wallets has allowed millions of previously unbanked citizens, particularly rural farmers and micro-entrepreneurs, to participate in the digital economy. Users can now transfer money, pay for goods, and receive payments instantly using only a mobile phone number, bypassing the need for physical bank branches which are scarce in mountainous regions. While this technological shift has significantly reduced transaction costs and increased financial security, major hurdles remain. The lack of reliable internet coverage in remote Andean provinces and low digital literacy among older generations threaten to widen the economic gap between urban and rural areas. Experts emphasize that for mobile banking to achieve its full potential as a tool for social equity, the government must invest heavily in telecommunications infrastructure and educational programs. Without these supporting measures, digital financial inclusion will remain a privilege of city dwellers, leaving the most vulnerable populations behind."

Which of the following statements best expresses the main idea of the passage?