Reading Comprehension — quick quiz

Read the passage below and answer the question that follows. The Indian banking sector has witnessed a paradigm shift with the introduction of digital banking. The proliferation of smartphones and internet connectivity has enabled banks to reach customers in the remotest corners of the country. Digital payment platforms have reduced the dependence on cash transactions, leading to greater transparency and formalization of the economy. However, this rapid digitalization has also brought new challenges. Cybersecurity threats have increased manifold, with instances of phishing, identity theft, and online fraud becoming commonplace. Banks are now investing heavily in robust security infrastructure and customer awareness programs to mitigate these risks. Moreover, the digital divide remains a concern — while urban and semi-urban populations have embraced digital banking, rural customers often lack the necessary digital literacy and infrastructure to benefit fully from these advancements. What is the author's primary concern regarding digital banking?