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Correct Option is India is undergoing massive problem of payments and lack of digital platforms to address those issues.

Solution:To validate the answer, refer to the second paragraph of the passage given above, which mentions, “ Setu’s founders Sahil Kini and Nikhil Kumar earlier worked together with Infosys co-founder Nandan Nilekani on the “India stack" of Aadhaar and UPI. “It changed the arc of my career, pointing me towards the scale of India’s problems and the need for public digital platforms to address them," says Kini.” Here, we can infer the quoted text from the statement given in option (d). hence, option (d) is the most suitable answer choice.

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