Which is $($are$)$ the unlikely new investment area or areas $($Feng Kou$)$ according to the models of LASIC, $4$Es$,3$Cs$,$ and social scalability of Nick Szabo?

I. Convergence of AI and Blockchain, e$.$g$.,$ blockchain with ChatGPT

II$.$ Digital banking with Transition and Embedded Finance for SMEs focusing on sustainability.

III. International Peer to Peer payment network with tight individual country regulation.

IV$.$ Peer to Peer payment system with privacy protection and yet traceable and transparent.

V$.$ EdTech with ChatGPT cater to different languages, culture and practices.

Question $5$ options:

All of the above

None of the above

I

II

III

IV

V