Infrastructure & Digital — Set 10

Correct Answer: B. RuPay, Visa, Mastercard, and AMEX

The correct answer is RuPay, Visa, Mastercard, and AMEX. BharatQR supports all four major payment networks: RuPay (NPCI), Visa, Mastercard, and American Express. A single BharatQR code displayed by a merchant can be used to pay from any of these networks using the respective mobile banking app. This eliminates the need for multiple QR codes.

Correct Answer: B. Savings and current accounts with deposit restrictions

The correct answer is savings and current accounts with deposit restrictions. Being a payments bank, IPPB can accept deposits up to Rs 2 lakh per customer and provide remittance services, mobile payments, and bill payments. It cannot lend or issue credit cards directly. IPPB partners with banks and insurance companies to offer products to its customers.

Correct Answer: B. 2014

The correct answer is 2014. DigiLocker was launched in beta form in February 2014. It was then officially launched as part of the Digital India programme in July 2015. The platform was developed by the National e-Governance Division (NeGD) under MeitY. By 2023, DigiLocker had over 20 crore registered users.

Correct Answer: C. 13

The correct answer is 13 Indian languages. UMANG app supports 13 languages including Hindi, English, and 11 other regional languages. This multilingual capability ensures that citizens across India can access government services in their preferred language. The app is available on Android, iOS, and as a web application for desktop users.

Correct Answer: B. Public communication, awareness and citizen engagement

The correct answer is public communication, awareness and citizen engagement. During COVID-19, MyGov became a central platform for disseminating government information, guidelines, and health advisories. It hosted the Aarogya Setu launch information, vaccination awareness campaigns, and citizen feedback mechanisms. The platform also facilitated the world's largest vaccination drive coordination.

Correct Answer: B. Privacy and minimisation of Aadhaar number sharing

The correct answer is privacy and minimisation of Aadhaar number sharing. Virtual ID is a 16-digit temporary, revocable number mapped to the actual Aadhaar number. It allows authentication without revealing the Aadhaar number, protecting privacy. Service providers receive a token instead of the actual Aadhaar number, reducing risk of data breaches.

Correct Answer: B. RBI and Indian Banks Association (IBA)

The correct answer is RBI and Indian Banks Association (IBA). NPCI was set up in 2008 under the joint initiative of RBI and IBA to create a unified payments organisation. Ten core promoter banks hold its equity. NPCI operates IMPS, NACH, UPI, FASTag, and other retail payment systems crucial for India's digital payments ecosystem.

Correct Answer: C. 2012

The correct answer is 2012. RuPay was launched by NPCI in March 2012 as India's first domestic card payment network. It was created as an alternative to Visa and Mastercard to reduce India's dependence on foreign payment networks and lower transaction costs. RuPay cards are issued by banks and work on ATMs, POS terminals, and online platforms.

Correct Answer: B. Iris scan

The correct answer is iris scan. Aadhaar biometrics include all 10 fingerprints, both iris scans, and a photograph. Iris scans are particularly useful when fingerprints are worn out due to manual labour, common among rural workers and elderly people. Iris-based authentication has improved inclusion of marginalised sections in benefit delivery.

Correct Answer: D. 140 crore

The correct answer is approximately 140 crore. UIDAI has issued over 138-140 crore Aadhaar numbers as of 2023, covering virtually the entire Indian population. This makes Aadhaar the world's largest biometric identity system. The coverage includes adults, children, and even newborns who receive Baal Aadhaar (blue Aadhaar for children below 5).