Which of the following points is/are "correct" with respect to the initiative taken by the Reserve Bank of India (RBI) in August 2023?

A) The Reserve Bank of India (RBI) commenced its digital lending pilot project for the Public Tech Platform for Frictionless Credit which is developed by the Reserve Bank Innovation Hub (RBIH).

B) RBI Governor Shaktikanta Das introduced a centralized web portal called "UDGAM" (Unclaimed Deposits - Gateway to Access information) to simplify the process for the public to locate their unclaimed deposits in various banks through a single platform.

C) Reserve Bank Information Technology Pvt Ltd (ReBIT), Indian Financial Technology & Allied Services (IFTAS) and participating banks have collaborated to develop this portal.