Study the following information carefully and answer the question given below: The data breach at 19 Indian banks has resulted in over 32 lakh debit c...

Study the following information carefully and answer the question given below:

The data breach at 19 Indian banks has resulted in over 32 lakh debit cards being blocked or recalled. Although the number of complaints so far is 641 and the amount fraudulently withdrawn is Rs. 1.3 crore, both figures are small compared to the potential scale of the data theft. It is concerning that it took nearly six months for the banks to officially acknowledge the breach and begin remedial actions. Reports suggest that a private bank was the entry point for the cybercriminals, who may have used malware at ATMs managed by a third-party payment services vendor. The National Payments Corporation of India is overseeing the investigation, and a forensic audit is expected to provide preliminary results soon.

Which of the following is a possible reason for the pilferage of money from Indian banks?

(I) Accounts of many Indians using Chinese mobile phones were hacked by Chinese hackers.

(II) Bank account data was stolen using malware at ATMs operated by a third-party payment services vendor.

(III) Bank account information was leaked by officials of Indian banks to poachers.