Arrange the following sentences to form a coherent paragraph about the evolution…

Arrange the following sentences to form a coherent paragraph about the evolution of digital banking in India: (i) This shift was largely driven by the proliferation of smartphones and reliable internet connectivity. (ii) However, despite this growth, digital banking faces challenges in rural areas due to infrastructure gaps. (iii) The launch of UPI in 2016 marked a significant milestone in this journey. (iv) In the early 2000s, Indian banks began transitioning from traditional branch banking to online platforms.