Read the passage carefully and evaluate the statement that follows:
To accelerate the adoption of digital banking services among rural agricultural households, the state government recently launched a subsidized smartphone distribution scheme paired with vernacular financial literacy workshops. Proponents argue that providing hardware access alongside basic digital training will automatically translate into widespread financial inclusion, enabling farmers to access direct benefit transfers and formal micro-credit seamlessly. However, critics point out that past digital initiatives failed primarily because rural connectivity infrastructure remains erratic and transaction failure rates at village kiosk points remain high.
Statement: The proponents' argument assumes that lack of hardware access and digital literacy are the primary barriers currently preventing rural households from adopting digital banking services.
Is the statement above a valid underlying assumption of the proponents' argument?
Cevap: Cevap