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1.  
Stretch – The first 13 digits of a card number are 6070123498765. Which last digit makes it pass the Luhn check?

Correct Answer: A [9]

Explanation:

Doubling alternate digits from the right gives a total of 51 without the check digit; 51 + 9 = 60.

2.  
Stretch – Which of these card numbers passes the Luhn check?

Correct Answer: C [4539148803436467]

Explanation:

Only one total is a multiple of 10: …6467 → 80, …6468 → 81, …6476 → 81, …6447 → 85, …6401 → 71.

3.  
Using the RBI's description that NEFT runs in batches at half-hourly intervals round the clock, how many batches are there in one full day?

Correct Answer: E [48]

Explanation:

2 batches an hour × 24 hours = 48.

4.  
Which of these amounts can be sent through RTGS, as per the RBI's minimum?

Correct Answer: D [₹ 2,00,000]

Explanation:

Minimum ₹ 2,00,000 (inclusive); ₹ 1,99,999 is just below.

5.  
Consider the following statements:
I. NEFT and RTGS are owned and operated by the RBI.
II. IMPS and AEPS are operated by NPCI.
III. RTGS settles transactions in half-hourly batches.
Which of the statements given above is/are correct?

Correct Answer: C [Only I and II]

Explanation:

I and II true; III false – NEFT uses batches; RTGS settles each transaction in real time.

6.  
Consider the following statements about ATMs:
I. A white label ATM carries the brand of the non-bank company that runs it.
II. A brown label ATM carries the brand of a bank.
III. An off-site ATM must be inside a bank branch.
Which of the statements given above is/are correct?

Correct Answer: C [Only I and II]

Explanation:

I and II true; III false – an off-site ATM is away from a branch.

7.  
Odd one out:

Correct Answer: A [RTGS]

Explanation:

RTGS is operated by the RBI; the others by NPCI.

8.  
Match the cloud model with what the provider gives:
List I: (a) IaaS; (b) PaaS; (c) SaaS; (d) Hybrid cloud
List II: (1) mix of public and private; (2) platform to build apps; (3) virtual servers and storage; (4) complete software over the internet

Correct Answer: D [a-3, b-2, c-4, d-1]

Explanation:

IaaS infrastructure; PaaS platform; SaaS software; hybrid = public + private.

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