Read the text below carefully and match each numbered statement (1–4) with its correct structural role in summarizing the passage:
"Despite the widespread adoption of digital payment platforms in West Africa, cash remains the dominant medium for daily micro-transactions due to unreliable network connectivity and high merchant transaction fees. Mobile money platforms have expanded financial inclusion by allowing millions of previously unbanked citizens to store and transfer funds electronically. However, small-scale market vendors in Lagos continue to reject electronic transfers during peak sales hours because network delays disrupt customer flow. While some financial technology firms have launched offline USSD features as a potential workaround, the core challenge facing digital payment adoption in informal retail remains the instability of telecom infrastructure and transaction costs."
- Unreliable telecom infrastructure and high fees are the primary obstacles preventing digital payments from replacing cash in daily micro-transactions.Essential Core Idea / Main Thesis
- Mobile money services have broadened financial inclusion among unbanked populations.Supporting Background Context
- Lagos market vendors refuse e-transfers during busy periods to prevent sales delays.Specific Illustrative Example
- Fintech companies have introduced offline USSD functions as alternative solutions.Non-Essential / Secondary Detail