Q81. Which of the following services is commonly used for bill payments online?
a) IMPS
b) NEFT
c) e-Wallet
d) RTGS
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Correct Answer: c) e-Wallet
Explanation: e-Wallets are commonly used for online bill payments, offering a convenient way to pay utility and service bills electronically.
Q82. Which digital service provides a unified platform for accessing various government services?
a) NEFT
b) UMANG
c) e-Hospital
d) QR Code
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Correct Answer: b) UMANG
Explanation: The UMANG app provides a unified platform for accessing a wide range of government services, streamlining interactions with various departments.
Q83. What type of payment method uses a mobile app to facilitate transactions?
a) Debit Card
b) e-Wallet
c) RTGS
d) USSD
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Correct Answer: b) e-Wallet
Explanation: e-Wallets use mobile apps to facilitate transactions, allowing users to make payments and manage their finances electronically.
Q84. Which system is used for settling payments in batches?
a) RTGS
b) IMPS
c) NEFT
d) USSD
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Correct Answer: c) NEFT
Explanation: NEFT (National Electronic Funds Transfer) settles payments in batches, processing transactions at scheduled intervals rather than in real-time.
Q85. What does a QR Code typically encode for payment transactions?
a) Bank account number
b) Transaction amount and details
c) User identity
d) Biometric data
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Correct Answer: b) Transaction amount and details
Explanation: QR Codes encode transaction amounts and details, allowing users to quickly scan the code and complete payment transactions.
Q86. What service allows users to make payments using a USSD code?
a) IMPS
b) RTGS
c) NEFT
d) AEPS
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Correct Answer: d) AEPS
Explanation: AEPS (Aadhaar Enabled Payment System) allows users to make payments using USSD codes, enabling transactions even without internet access.
Q87. Which payment service is best for transferring funds in real-time?
a) NEFT
b) RTGS
c) IMPS
d) USSD
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Correct Answer: c) IMPS
Explanation: IMPS (Immediate Payment Service) is best for transferring funds in real-time, providing instant processing and transfer of money between accounts.
Q88. What type of authentication is commonly used with a credit card for online transactions?
a) Biometric
b) OTP
c) PIN
d) Fingerprint
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Correct Answer: b) OTP
Explanation: Credit card transactions often use One-Time Passwords (OTPs) for authentication to enhance security and verify the legitimacy of the transaction.
Q89. Which app helps in managing healthcare services online?
a) UMANG
b) e-Wallet
c) e-Hospital
d) QR Code Scanner
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Correct Answer: c) e-Hospital
Explanation: The e-Hospital app manages healthcare services online, including scheduling appointments and accessing medical records, improving healthcare delivery.
Q90. What advantage does a debit card offer over a credit card?
a) Rewards programs
b) Borrowing capacity
c) Immediate account deduction
d) Higher credit limits
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Correct Answer: c) Immediate account deduction
Explanation: Debit cards offer the advantage of immediate deduction from the user’s bank account, helping to manage spending within available funds.