Soru

In an analytical feature on the digital transformation of Peru's informal economy, the author investigates the widespread adoption of interoperable mobile payment platforms among street vendors in Lima:

"The rapid proliferation of interoperable QR code payment systems across Lima's bustling open-air markets has been widely heralded as a triumph of financial inclusion, granting thousands of informal merchants their first access to the digital economy. Proponents frequently emphasize transactional efficiency, noting that digital transactions eliminate the friction of physical currency and reduce exposure to street theft. However, framing digital payment adoption as an automatic gateway to financial security overlooks deeper structural realities. While instant mobile transfers streamline daily sales, they do not inherently resolve the systemic vulnerabilities of informal commerce. Without access to formal credit, fair interest rates, or comprehensive social safety nets, market vendors remain tethered to predatory informal lenders for capital-intensive inventory purchases. Furthermore, the digital trace generated by these applications introduces new concerns regarding municipal tax surveillance, prompting apprehension among vendors operating on thin profit margins. Ultimately, while digital payment infrastructure modernizes transactional mechanics, true financial democratization requires pairing payment technology with equitable microcredit mechanisms and structural economic protections."

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