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1.  
UPI is operated by:

Correct Answer: D [NPCI]

Explanation:

IMPS, UPI, AEPS, NACH are NPCI systems.

2.  
RTGS stands for:

Correct Answer: A [Real Time Gross Settlement]

Explanation:

Real Time Gross Settlement.

3.  
On an American Express card, the card security code (CID) has how many digits?

Correct Answer: C [4]

Explanation:

Most cards print a 3-digit CVV on the back; American Express prints a 4-digit CID on the front.

4.  
How many digits are there in a MICR code?

Correct Answer: B [9]

Explanation:

3 city + 3 bank + 3 branch = 9.

5.  
In banking technology, CBS stands for:

Correct Answer: A [Core Banking Solution]

Explanation:

Core Banking Solution – anywhere banking.

6.  
An ATM that carries a bank's brand but is owned and maintained by a service provider is called a:

Correct Answer: C [Brown Label ATM]

Explanation:

Brown label = provider owns it, bank's brand; white label = non-bank's own brand.

7.  
In chip cards, EMV stands for:

Correct Answer: B [Europay, Mastercard and Visa]

Explanation:

Europay, Mastercard and Visa.

8.  
Which technology lets a customer pay by tapping a card on the POS machine?

Correct Answer: D [NFC]

Explanation:

Contactless cards use Near Field Communication.

9.  
Which system is used for toll payment through FASTag?

Correct Answer: B [NETC]

Explanation:

National Electronic Toll Collection (NPCI).

10.  
Cheque clearing using the image of the cheque instead of the physical cheque is done through:

Correct Answer: D [CTS]

Explanation:

Cheque Truncation System.

11.  
Which of these must NEVER be shared with anyone, including bank staff?

Correct Answer: C [UPI PIN]

Explanation:

UPI ID, account number and IFSC are needed to receive money; the PIN is secret.

12.  
Using computing resources such as servers and software over the internet on demand is called:

Correct Answer: A [Cloud computing]

Explanation:

Cloud computing.

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