Q11. What does ‘e-Governance’ refer to?
a) Using technology to manage private businesses
b) Managing government services and information using technology
c) Conducting elections online
d) Implementing technology in educational institutions
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Correct Answer: b) Managing government services and information using technology
Explanation: e-Governance involves the use of technology to improve the delivery of government services and information to citizens, making processes more efficient and accessible.
Q12. Which of the following is NOT an e-Governance service?
a) Railway Reservation
b) e-Hospital [ORS]
c) Mobile Banking
d) Passport Services
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Correct Answer: c) Mobile Banking
Explanation: Mobile Banking is a financial service, while Railway Reservation, e-Hospital [ORS], and Passport Services are examples of e-Governance services provided by the government.
Q13. What is the purpose of the UMANG app?
a) To manage online shopping
b) To provide access to e-Governance services on mobile devices
c) To track financial transactions
d) To facilitate social networking
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Correct Answer: b) To provide access to e-Governance services on mobile devices
Explanation: The UMANG app is designed to offer a unified platform for accessing various e-Governance services and information from government departments on mobile devices.
Q14. What does NEFT stand for in banking terms?
a) National Electronic Fund Transfer
b) National Electronic Financial Transaction
c) New Electronic Fund Transfer
d) National Electronic Finance Technology
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Correct Answer: a) National Electronic Fund Transfer
Explanation: NEFT (National Electronic Fund Transfer) is a banking system that facilitates the electronic transfer of funds between banks in India.
Q15. Which payment system allows you to make transactions without internet access?
a) UPI
b) AEPS
c) QR Code
d) USSD
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Correct Answer: d) USSD
Explanation: USSD (Unstructured Supplementary Service Data) allows users to perform financial transactions via SMS codes, making it possible to conduct transactions without internet access.
Q16. What is the main benefit of using e-Wallets?
a) They provide physical cash
b) They store payment methods electronically
c) They are only available in certain regions
d) They require bank visits for transactions
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Correct Answer: b) They store payment methods electronically
Explanation: e-Wallets store payment information electronically, allowing users to make transactions and manage their finances without needing physical cards or cash.
Q17. Which type of card is used for borrowing money from the bank?
a) Debit Card
b) Credit Card
c) Prepaid Card
d) Gift Card
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Correct Answer: b) Credit Card
Explanation: A Credit Card allows users to borrow money from the bank up to a certain limit to make purchases or withdraw cash, which must be repaid later.
Q18. What is the primary purpose of internet banking?
a) To access physical bank branches
b) To manage financial transactions and accounts online
c) To obtain loans from physical banks
d) To store physical cash securely
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Correct Answer: b) To manage financial transactions and accounts online
Explanation: Internet banking enables users to manage their financial transactions and account details online, providing convenience and accessibility without visiting a physical branch.
Q19. Which service is known for providing immediate payment confirmation?
a) NEFT
b) RTGS
c) IMPS
d) USSD
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Correct Answer: c) IMPS
Explanation: IMPS (Immediate Payment Service) provides immediate confirmation of payments, allowing for real-time transactions and instant fund transfers between accounts.
Q20. What does the ‘e’ in e-Governance stand for?
a) Economic
b) Efficient
c) Electronic
d) Emergency
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Correct Answer: c) Electronic
Explanation: The ‘e’ in e-Governance stands for Electronic, highlighting the use of electronic systems and technology in the management and delivery of government services.