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문제 1. The rapid growth of global e-commerce, along with the expansion of digital payment systems that provide immense convenience to users, ( ) led to significant changes in consumer behavior worldwide.
① has
② have
③ is
④ are
문제 2. Researchers who investigate the psychological effects of social media, as well as the neurologists who analyze brain patterns, ( ) that excessive usage can impair long-term concentration.
① claim
② claims
③ claiming
④ to claim
문제 3. Successful entrepreneurs today prefer to take calculated risks that can lead to innovation rather than ( ) on outdated business models that no longer serve the market's needs.
① rely
② relying
③ to rely
④ relied
문제 4. Every participant in the marathon, as well as the spectators who gathered along the route to cheer for the runners, ( ) required to follow the safety protocols established by the organizers.
① was
② were
③ being
④ to be
문제 5. The efficiency of the strategies used by small startups is often more visible and adaptive than ( ) adopted by large corporations that have rigid hierarchical structures.