Statement:
Digital payments reduce dependency on cash transactions.
Assumptions:
I. People have access to digital devices.
II. Internet connectivity is reliable.

Question

Accepted Answer

1. The statement says digital payments cut cash use. For that to happen, people must **have devices** to use those payments.
2. So Assumption I (access to digital devices) is needed and is implicit.
3. Internet being reliable helps, but is not required for all digital payments (e.g., USSD, offline methods).
4. So Assumption II is not clearly implied.

FINAL_ANSWER: a

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