Reading Comprehension — quick quiz

Read the passage carefully and answer the question that follows: Digital banking has revolutionized the financial sector in India over the past decade. The introduction of mobile banking applications and payment wallets has made banking services accessible to millions who previously lacked access to traditional bank branches. However, this rapid digitization has also raised concerns about cybersecurity and data privacy. Financial institutions are now investing heavily in advanced encryption technologies and multi-factor authentication systems to protect customer information. Despite these efforts, incidents of online fraud continue to rise, prompting regulators to introduce stricter guidelines for digital transactions. What is the main idea of the passage?