Digital Financial Services & Cyber Safety: 100 Questions & Answers

Digital Financial Services (UPI, BHIM, Net Banking, Cards, AEPS, USSD) aur Safe Banking Practices

Part 1: Digital Payments, UPI, BHIM & Mobile Wallets (25 Questions)

1. Question: UPI ka full form kya hai aur ise kisne viksit (develop) kiya hai? Answer: Unified Payments Interface; ise NPCI (National Payments Corporation of India) ne viksit kiya hai.

2. Question: NPCI ka full form kya hai aur iska primary role kya hai? Answer: National Payments Corporation of India; yeh India mein retail payment aur settlement systems ko operate karne wali umbrella organization hai.

3. Question: BHIM App ka full form kya hai aur ise kis ke naam par launch kiya gaya tha? Answer: Bharat Interface for Money; ise Dr. Bhimrao Ambedkar ke naam par 30 December 2016 ko launch kiya gaya tha.

4. Question: UPI mein VPA ka full form kya hota hai aur iska ek example dein? Answer: Virtual Payment Address (jaise username@upi ya mobile number@paytm); yeh bina bank account number share kiye paise transfer karne ka digital ID hai.

5. Question: UPI PIN kya hota hai aur yeh kitne digits ka hota hai? Answer: Yeh ek secret passcode hota hai jo transaction ko authorize karne ke liye enter kiya jata hai; yeh aamtaur par $4$ ya $6$ digits ka hota hai.

6. Question: Standard UPI Transactions par per-day transaction limit kitni hoti hai? Answer: Standard limit $\text{₹}1\text{ Lakh}$ per day hoti hai (kuch specific categories jaise Healthcare, Education, ya Capital Markets mein yeh limit $\text{₹}2\text{ Lakh}$ se $\text{₹}5\text{ Lakh}$ tak ho sakti hai).

7. Question: QR Code ka full form kya hota hai aur UPI mein iske 2 main types kaun se hain? Answer: Quick Response Code; 2 main types: Static QR (fixed account details, user enters amount) aur Dynamic QR (amount pre-filled along with merchant details).

8. Question: UPI se money Receive (paise mangwane/prapt karne) ke liye UPI PIN enter karna zaroori hai ya nahi? Answer: Nahi; UPI PIN ki zaroorat sirf paise Send/Pay karte waqt ya balance check karte waqt hoti hai. Paise receive karne ke liye PIN ki koi zaroorat nahi hoti.

9. Question: Mobile Wallet (jaise Paytm Wallet, Mobikwik) aur UPI Bank Transfer mein kya mukhya antar hai? Answer: Wallet ek prepaid instrument hai jisme pehle paise load karne padte hain; UPI direct ek bank account se doosre bank account mein money transfer karta hai.

10. Question: UPI Lite feature kya hai aur iska kya fayda hai? Answer: Yeh ek on-device wallet feature hai jisse $500\text{ Rupees}$ tak ke chote-chote payments bina UPI PIN enter kiye instantly ho jaate hain.

11. Question: UPI 123PAY feature kiske liye launch kiya gaya hai? Answer: Bina internet wale Feature Phones (keypad phones) ke users ke liye IVR, app, ya soundwave technology dwara UPI payments karne ke liye.

12. Question: e-RUPI kya hai aur yeh kaise kaam karta hai? Answer: Yeh NPCI dwara banaya gaya ek digital voucher-based cashless payment mechanism hai jo beneficiary ko SMS ya QR code ke roop mein milta hai (specific purpose/person specific).

13. Question: UPI AutoPay feature ka kya upyog hai? Answer: Monthly recurring payments (jaise OTT subscriptions, SIPs, Electricity bills, EMI) ko har mahine automatic deduct karne ka mandate setup karna.

14. Question: Peer-to-Peer (P2P) aur Peer-to-Merchant (P2M) transfers mein kya antar hai? Answer: P2P = Ek individual user se doosre individual user ko payment; P2M = Individual user se kisi dukandar/shopkeeper/business ko payment.

15. Question: UPI account setup karne ke liye sabse zaroori requirement kya hai? Answer: User ka Mobile Number uske Bank Account se registered hona chahiye aur wahi SIM phone mein active honi chahiye.

16. Question: UPI PIN reset/set karne ke liye kis card ki zaroorat padti hai? Answer: Registered Bank Account ke Debit Card ke last $6$ digits, Expiry Date, aur Mobile par aaye OTP ki.

17. Question: Credit Line on UPI feature ka kya matlab hai? Answer: Bank dwara approved pre-sanctioned credit limit (loan) ko UPI ID se link karke direct scan & pay karne ki suvidha.

18. Question: Soundbox (jaise Paytm Soundbox, PhonePe SmartBox) ka shopkeepers ke liye kya upyog hai? Answer: Audio notification dwara payment receive hone ki instant confirmation dena.

19. Question: PPI (Prepaid Payment Instrument) ka kya matlab hota hai? Answer: Financial instruments (jaise Wallets, Smart cards, Meal vouchers) jo advance-paid value store karte hain.

20. Question: Tap & Pay (NFC-based UPI) kaise kaam karta hai? Answer: Mobile phone ko POS terminal/merchant device par tap (chhuana) karke bina QR scan kiye payment karna.

21. Question: UPI International service ka kya upyog hai? Answer: Overseas travel ke dauran foreign countries mein selected merchants par Indian UPI apps se QR code scan karke payment karna.

22. Question: Transaction Fail hone par auto-reversal ka NPCI dwara nirdharit samay limit (T+1 rule) kya hai? Answer: Agar bank account se paise kat gaye aur payment fail ho gaya, toh $T+1$ working day mein paise account mein wapas credit hone chahiye, varna bank ko penalty deni hoti hai.

23. Question: Instant Money Transfer ke liye UPI mein minimum amount required kitna hai? Answer: $\text{₹}1$ (Koi minimum limit nahi hai).

24. Question: UPI account dwara daily kitne maximum transactions kiye ja sakte hain? Answer: Standard rule ke aadhar par per day maximum $20$ transactions tak allow hote hain.

25. Question: UPI Global interoperability ka kya matlab hai? Answer: Indian UPI system ka videshi payment systems (jaise Singapore ka PayNow, UAE, Sri Lanka) ke saath connect hona.

Part 2: Net Banking, Mobile Banking & Interbank Transfers (25 Questions)

26. Question: Internet Banking / Net Banking kya hai? Answer: Bank ki official secure website par User ID aur Password dwara login karke financial/non-financial operations online handle karne ki suvidha.

27. Question: IFSC ka full form kya hota hai aur iska structure kya hai? Answer: Indian Financial System Code; yeh $11\text{-character}$ alphanumeric code hota hai (Pehle 4 letters = Bank name, 5th character = '0', last 6 characters = Branch code).

28. Question: NEFT ka full form kya hai aur iski settling frequency kya hoti hai? Answer: National Electronic Funds Transfer; yeh half-hourly batches mein funds settle karta hai ($24 \times 7$ available).

29. Question: RTGS ka full form kya hai aur isme minimum transfer limit kitni hoti hai? Answer: Real Time Gross Settlement; isme minimum transfer limit $\text{₹}2\text{ Lakh}$ hoti hai (real-time individual processing).

30. Question: IMPS ka full form kya hai aur iska primary benefit kya hai? Answer: Immediate Payment Service; instant money transfer $24 \times 7 \times 365$ days bina kisi batch delay ke.

31. Question: IMPS ke zariye daily maximum limit aamtaur par kitni hoti hai? Answer: Banks dwara standard limit $\text{₹}5\text{ Lakh}$ per day set ki gayi hai.

32. Question: Beneficiary Add karne ka kya matlab hota hai Net Banking mein? Answer: Jise paise bhejne hain uska Name, Account Number, aur IFSC code Net Banking portal par register karna.

33. Question: Cooling Period in Net Banking fund transfer kya hota hai? Answer: Naye beneficiary ko add karne ke baad $30\text{ minutes}$ se $4\text{ hours}$ tak ka safety period, jisme transfer amount restricted rehta hai taaki fraud na ho.

34. Question: MMID ka full form kya hai in IMPS? Answer: Mobile Money Identifier ($7\text{-digit}$ code jo mobile number ke saath bank account link karta hai).

35. Question: OTP ka full form kya hota hai aur iski validity kitni hoti hai? Answer: One Time Password; yeh single-use security code hota hai jo aamtaur par $3$ se $10\text{ minutes}$ ke liye valid rehta hai.

36. Question: Net Banking Login credentials mein kin 3 cheezon ki zaroorat hoti hai? Answer: Customer ID / User ID, Password, aur Registered Mobile Par Aaya OTP (Two-Factor Authentication).

37. Question: CBS ka full form kya hai in banking technology? Answer: Core Banking Solution (jiske zariye sabhi bank branches ek central database server se judi hoti hain).

38. Question: Standing Instruction (SI) feature kya hai? Answer: Net Banking par regular interval par fixed amount (jaise Rent ya Loan EMI) automatically transfer karne ke liye set kiya gaya command.

39. Question: E-Statement kya hoti hai? Answer: Registered email address par bheji jaane wali digital PDF bank account transaction history.

40. Question: Bank Passbook/Statement PDF open karne ke liye standard password format kya hota hai? Answer: Customer ID, Date of Birth ($DDMMYYYY$), ya Name ke initial letters combined with Date of Birth.

41. Question: Stop Payment Request Net Banking se kaise apply hoti hai? Answer: Issued Cheque ke clearing hone se pehle uska Cheque Number select karke digital stop request submit karke.

42. Question: Positive Pay System (PPS) for Cheques kya hai? Answer: $\text{₹}50,000$ ya usse adhik ke cheques ke liye account holder dwara Cheque No, Date, Amount aur Payee Name bank ko advance mein re-confirm karne ka safety system.

43. Question: ECS ka full form kya hai in banking? Answer: Electronic Clearing Service (utility bills, insurance premiums ke bulk auto-debit ke liye).

44. Question: NACH ka full form aur ise kaun manage karta hai? Answer: National Automated Clearing House; ise NPCI manage karta hai.

45. Question: Cheque Bounce hona kis Act ke tehat punishable offense hai? Answer: Negotiable Instruments Act, 1881 (Section 138).

46. Question: Demand Draft (DD) aur Cheque mein mukhya antar kya hai? Answer: Cheque individual dwara sign hota hai aur bounce ho sakta hai; DD bank dwara issue hota hai aur isme payment guaranteed hoti hai (bounce nahi hota).

47. Question: Fixed Deposit (FD) ko tenure pura hone se pehle todne ko kya kehte hain? Answer: Premature Withdrawal of FD.

48. Question: Account Aggregator (AA) Ecosystem kya hai? Answer: RBI-regulated framework jiske dwara user ki explicit consent (permission) se unka financial data alag-alag financial institutions ke beech securely share kiya jata hai.

49. Question: Mobile Banking App ko secure rakhne ke liye Biometric Auth ka kya role hai? Answer: Fingerprint ya Face ID se app ko instant aur secure access dena.

50. Question: Bank Account Statement mein "CR" aur "DR" ka kya matlab hota hai? Answer: CR = Credit (Paise Aaye / Add hue); DR = Debit (Paise Kat gaye / Bheje gaye).

Part 3: Financial Cards, ATMs, AEPS & USSD Banking (25 Questions)

51. Question: Debit Card aur Credit Card mein sabse mukhya fark kya hai? Answer: Debit Card = User ke apne bank account balance se paise katte hain; Credit Card = Bank dwara di gayi pre-approved credit limit se paise kharch hote hain jise baad mein chukana padta hai.

52. Question: CVV / CVC ka full form kya hai aur yeh card par kahan sthit hota hai? Answer: Card Verification Value; yeh $3\text{-digit}$ code card ke piche magnetic strip par printed hota hai.

53. Question: Contactless Card (NFC Payment) se India mein bina PIN enter kiye kitni limit tak payment ho sakti hai? Answer: Maximum $\text{₹}5,000$ per transaction.

54. Question: EMV Chip Cards purane Magnetic Stripe Cards se zyada secure kyun hain? Answer: EMV Chip har transaction par ek unique encrypted dynamic code generate karti hai, jisse card cloning impossible ho jati hai.

55. Question: RuPay Card kis organisation dwara launch kiya gaya India ka indigenous card network hai? Answer: NPCI (National Payments Corporation of India).

56. Question: VISA aur Mastercard kis category ke companies hain? Answer: International Payment Network Processing Companies.

57. Question: ATM ka full form kya hai? Answer: Automated Teller Machine.

58. Question: AEPS ka full form kya hai aur yeh kis authentication par kaam karta hai? Answer: Aadhaar Enabled Payment System; yeh user ke Aadhaar Number aur Biometric (Fingerprint/Iris) authentication par kaam karta hai.

59. Question: AEPS ke madhyam se kin-kin basic services ko access kiya ja sakta hai? Answer: Cash Withdrawal, Cash Deposit, Balance Enquiry, Mini Statement, aur Aadhaar to Aadhaar Fund Transfer.

60. Question: Feature phones par bina internet banking ke liye kis USSD code ka upyog hota hai? Answer: *99# (NUUP - National Unified USSD Platform).

61. Question: Micro ATM kya hote hain? Answer: Handheld POS devices jo Banking Correspondents (BCs) dwara rural/remote areas mein Aadhaar biometric se banking dene ke liye use hote hain.

62. Question: Card Tokenization ka kya matlab hota hai? Answer: Online Shopping sites par original Card Number, CVV aur Expiry ki jagah ek unique surrogate value ("Token") store karna taaki data leak na ho.

63. Question: Cardless Cash Withdrawal feature ATM par kaise kaam karta hai? Answer: Mobile Banking app par cash request send karke temporary OTP/Code generate karke bina card insert kiye ATM se cash nikalna.

64. Question: Green PIN feature kya hai? Answer: Paperless paper-free OTP-based PIN generation mechanism for Debit/Credit cards.

65. Question: BIN ka full form kya hota hai Debit/Credit Card par? Answer: Bank Identification Number (Card number ke pehle $6$ se $8$ digits jo issuing bank ko identify karte hain).

66. Question: PMJDY ka full form kya hai aur isme kaun sa debit card milta hai? Answer: Pradhan Mantri Jan Dhan Yojana; isme free RuPay Debit Card with built-in accident insurance cover milta hai.

67. Question: Government Subsidies aur LPG Subsidy account mein lene ke liye kis process ki zaroorat hoti hai? Answer: DBT (Direct Benefit Transfer) ke liye Bank Account se Aadhaar Link/Seeding karna.

68. Question: BBPS ka full form kya hai aur iska kaam kya hai? Answer: Bharat Bill Payment System (NPCI managed single network for Electricity, Water, Gas, DTH, Recharges bill payments).

69. Question: CBDC / e-Rupee in India kya hai? Answer: Central Bank Digital Currency; RBI dwara issue ki gayi sovereign digital currency token format mein.

70. Question: Digital e-Rupee Wallet aur Bank Account me kya mukhya fark hai? Answer: e-Rupee physical currency note ki tarah digital token hai jise holder direct hold karta hai (is par interest nahi milta), jabki Bank Account balance bank ke paas deposit rehta hai.

71. Question: ATM Machine par Skimming Devices ka kya khatra hota hai? Answer: Card slot ke upar lagayi gayi fake magnetic reader devices jo card credentials copy kar leti hain.

72. Question: POS Machine ka full form kya hota hai? Answer: Point of Sale Machine.

73. Question: ATM PIN ko secure rakhne ka sabse basic niyam kya hai? Answer: PIN ko kahi likh kar na rakhna, kisi ke sath share na karna, aur regular interval par badalana.

74. Question: Debit Card Kho jaane (Lost) par sabse pehla step kya hona chahiye? Answer: Immediately Bank Customer Care par call karke ya Mobile App se Card Block / Freeze karna.

75. Question: Prepaid Payment Cards / Travel Cards ka kya upyog hai? Answer: Specific foreign currencies load karke international travel ke dauran bina local bank account ke spend karna.

Part 4: Cyber Security, Banking Frauds & Safe Practices (25 Questions)

76. Question: Banking Phishing Attack kya hota hai? Answer: Bank ki fake/duplicate website ya email banakar users se unke Login ID, Passwords, aur Credit Card details churana.

77. Question: Vishing aur Smishing mein kya antar hai? Answer: Vishing = Phone Call dwara fraud (Voice Phishing); Smishing = Fake SMS / Links dwara fraud.

78. Question: Kya koi bhi Bank employee, RBI officer ya Police call karke aapka Password, PIN ya OTP maang sakte hain? Answer: KABHI NAHI; Legal banks ya authorities kabhi bhi kisi user se confidential PIN, Password, CVV ya OTP nahi maangte.

79. Question: SIM Swap Fraud kya hota hai? Answer: Cyber criminal fake ID se aapke mobile number ka duplicate SIM issue karwa leta hai taaki aapke sare Banking OTPs unke paas pahunch sakein.

80. Question: Juice Jacking Attack kya hota hai? Answer: Airport ya Railway Station ke public USB charging points se mobile mein malware install karke financial data chura lena.

81. Question: Public Wi-Fi Networks (Free Wi-Fi) par Net Banking ya UPI payment kyun nahi karni chahiye? Answer: Unencrypted public Wi-Fi par hackers Man-in-the-Middle (MITM) attack ke zariye credentials intercept kar sakte hain.

82. Question: Money Mule kis person ko kehte hain? Answer: Aisa ਵਿਅਕਤੀ jiske bank account ko criminals illegal stolen money transfer/launder karne ke liye use karte hain (chahe anjaane mein ho).

83. Question: Net Banking Login URL bar par https:// aur Padlock Icon kya darshate hain? Answer: Secure encrypted SSL/TLS connection.

84. Question: Net Banking portal par Virtual Keyboard / On-screen Keyboard ka use kyun kiya jata hai? Answer: System mein chhupe Keylogger malware se actual hardware keyboard keystrokes record hone se bachne ke liye.

85. Question: Social Engineering Attack in Banking Fraud kya hota hai? Answer: Dar (e.g., "Account Block ho jayega") ya Lalach (e.g., "Lottery lag gayi") dikha kar user se baaton-baaton mein OTP/PIN nikalwana.

86. Question: India mein Financial Cyber Fraud report karne ke liye National Helpline Number kya hai? Answer: Helpline Number: 1930

87. Question: Financial Cyber Crime Online Complaint darj karne ka official government portal kya hai? Answer: cybercrime.gov.in

88. Question: Online Financial Fraud hone par sabse pehla aur sabse critical action kya hona chahiye? Answer: Immediately Bank ko inform karke Account/Card block karwana aur 1930 par call karna (Golden Hour within 1-2 hours).

89. Question: Fraudulent Transactions ke case mein RBI ki Zero Liability Policy kya kehti hai? Answer: Agar user ki koi galti nahi hai aur unauthorized transaction hone ke $3\text{ days}$ ke andar bank ko inform kar diya jaye, toh user ki zero liability hoti hai aur bank refund karta hai.

90. Question: Malicious APK File scam (WhatsApp/SMS links) kya hota hai? Answer: Anjaan WhatsApp links se fake Android apps (.apk files) install karwana jo mobile screen ki recording aur OTP SMS bypass kar lete hain.

91. Question: AnyDesk, TeamViewer, RustDesk jaise Screen Sharing Apps se banking mein kya risk hai? Answer: In apps ka access kisi stranger ko dene par woh aapki screen par aane wale OTPs aur PIN live dekh kar financial loss kar sakta hai.

92. Question: QR Code Scam kya hai? Answer: Fraudsters "Paise Bhej rahe hain" bol kar QR code bhejte hain, jabki QR scan karke PIN daalne par paise lene ki jagah aapke account se kat jaate hain.

93. Question: Fake Banking SMS ko pehchanne ka sabse aasan tareeka kya hai? Answer: SMS sender ID mein official header check karna aur link mein misspelled URLs (jaise sbi-update.xyz instead of sbi.co.in) ko check karna.

94. Question: Strong Banking Password banane ka niyam kya hai? Answer: Minimum $8-12$ characters long; Uppercase, Lowercase, Numbers, aur Special symbols (@, #, $) ka mix (DOB ya Name ka use na karein).

95. Question: UIDAI portal / mAadhaar app par Biometric Lock feature ka kya use hai? Answer: Biometrics (Fingerprint) ko digital lock kar dena taaki koi unauthorized person AEPS dwara paise na nikal sake.

96. Question: Shoulder Surfing in ATM or Public Banking kya hoti hai? Answer: ATM ya Public area mein piche khade hokar kisi ke PIN enter karte waqt chori se dekhna.

97. Question: RBI Integrated Ombudsman Scheme का mukhya kaam kya hai? Answer: Bank, NBFCs, ya Payment Systems dwara $30\text{ days}$ tak complaint resolve na karne par customers ki grievances ko redress/resolve karna.

98. Question: Cyber Hygiene in Mobile Banking ke 2 sabse zaroori steps kya hain? Answer: Mobile OS aur Banking apps ko hamesha updated rakhna aur Rooted/Jailbroken devices par banking apps use na karna.

99. Question: Two-Factor Authentication (2FA) in Online Transactions kya hai? Answer: Security ki $2$ layers — Pehli layer (Password/PIN) aur Doosri layer (OTP / Biometric approval).

100. Question: Mobile banking app mein Auto-fill Passwords / Auto-save PIN features disable rakhne ka kya fayda hai? Answer: Phone ghum hone ya unlock hone par bhi unauthorized person aapke banking passwords direct access nahi kar payega.