1.

A simplex transmission is capable of

a)Transmitting data only in one direction
b) Data movement in both the direction but only in one direction on a time
c)Providing a simultaneous two way communication
d)Data communication only

2. The upper value limit of an individual national electronic funds transfer (NEFT)
transaction is
a) Rs.20,000 b) Rs.50,000 c) Rs.1,00,000 d) None of these

3. The computerization efforts in the banking industry started in the early

a) Nineties b) Eighties c) Seventies d) Sixties

4. Data communication network have changed the whole concepts of

a) Communication b) Technology c) Information Generation d) Data

5. A coaxial cable consist of

a) Two insulated copper wire b) An inner copper conductor held in position by
circular spacers c) Single copper wire d) All these above

6. No acknowledgements are envisaged under ______________ scheme

a) RTGS b) IMPS c) MNSB d) NEFT

7. LAN will not extend beyond ________________ meters.

a) 150 b) 50 c)100 d) 200

8. The client server technology use of ____________and interactive access to information

are the indicators of future trends
a) NEFT b) POS c) IMPF d) GUI

9. Banks have been using EDI in the form of __________message.

a) SWIFT b) EFT c) EDI d) GUI

10. The __________ provides the end user with decision-making information
a) CRR b) DSS c) SLR d) CLR & SLR

11. __________ also find a significant usage

a) ATM card b) Debit card c) Credit card d) Platinum card
12. The universal set of standards for EDI is known as
a) EDIFACT b) EDI c) ISO d) BIS

13. ____________ does not assume any responsibility of the message between the regional
processer and the banks.
a) SWIFT b) UCC c) EFT d) ACH

14. SWIFT has also allowed its facilities to ____________ financial institutions.
a) Non-banking b) Banking c) Fund based d) Non-fund based

15. The ___________ have a direct interface with the SWIFT system.
a) CHATS b) CHAPS c) CHIPS d) EFT

16. The public sector communication networks like

a) INDONET b) NICNET c) INET d) INDONET,NICNET & INET

17. Communication Technology _____________

a) Facility the processing of data
b) Helps in transmission of data
c) Enables decision support system
d) is a tool for data mining

18. A communication network,___________ was set up in the year __________ by the RBI
to facilitate inter - bank transfer of messages with in India.
a) Use net,1992
b) Banknet,1991
c) RBINet,1993
d) INET,1990

19. MODEM does the following

a) Modulates digital signal into analogue b)Demodulates analogue signal into digital
c) converts data into image d) Modulators demodulators

20. MNSB Stands for

a) Multilateral Network Settlement Batch b) Multilateral Network Settlement

c) Multilateral Net Settlement Batch d) Multilateral Net Settlement

21. IDL Stands for

a) Inra Day Liquidity b) Inter Date Liquidity c) Interest Rate on Liquidity
22. IMPS Stands For
a) nsbfbjdjf b)Immediate Payment System

23. RTGS uses the

a) SFMS b) SFMS & INFNET c) none of these d) INFNET

24. IFTP IS
a) Inter bank Funds Transfer Processor

25. The saraf Committee Technology issues in the payment and settlement system
constituted by the RBI

a) 1992 b) 1993 c) 1994 d) 1995

26. A major turing point has been the birth of the ______________ generation computer

a) fifth b) fourth c) seventh d) sixth

27. Electronic Funds Transfer system now renamed as

a) NEFT b) ECS c) NEFT,ECS & RTGS d) RTGS

28. MODEM does the following

a) Modulates digital signals into analogue b) Demodulates analogue signals into digital

c) Converts data into image d) Both a&b

29. A twisted pair cable consist of

a) Two insulated copper wire b) an inner copper conductor held in position by

circular spalers c) single copper wire d) all these above

30. A message swicher is used to

a) Store & forward data to large number of terminals over a single communication

channel

b) Send more then on signal simultaneously over a single communication channel

c) Intercept and handle communication activities for the host computer

d) none of these
31) PIN IS ------------

a) Randomly generated sequence of digits

b) Postal index number

c) Stored in magnetic strip of the card

d) A and C

32) Security features available with smart cards are ---------

a) Multiple pins

b) Retinal pattern verification

c) Dynamic signature verification

d) All of the above

33) The advantages of the processor smart cards are --------

a) Security

b) Reliability

c) Longer life

d) All of the above

34) Electronic purse may have following number of storage

Space -------------

a) Only one

b) Two

c) Several

d) No storage space

35) Cheque Truncation can be done by ------------

a) Using MICR data

b) Sending cheque by speed post

c) Using image processing

d) A and C

36) The credit card offers -----------

a) Revolving credit for certain period

b) Pay off the entire amount of card usage

c) On line recover of amount of card usage

d) All of the above

37) The debit card offers ----------

a) Revolving credit for certain period

b) Pay off the entire amount of card usage

c) On line recover of amount of card usage

d) All of the above

38) The charge card offers -------------

a) Revolving credit for certain period

b) Pay off the entire amount of card usage

c) On line recover of amount of card usage

d) All of the above

39) The smart card looks like any other plastic cards with

------------

a) Memory card

b) Integrated circuit

c) Micro processor

d) None of these

40) The credit cardholders is given about -------- time to

Credit his account

 a) 15-30 days

b) 25-50 days

c) 20-30 days

d) 35-50 days

41) --------- stops the flow of cheque through banking

System

a) Retrieval system

b) Signature storage

c) Cheque truncation

d) None of these

42) --------- machines are available which counts bundle of

Notes placed on it

a) Coin counting

b) Note counting

c) Both a and b

d) None of these

43) --------- may be defined as direct linking of an operation

To a computer system

a) Online updates

b) Batch updates

c) Both a and b

d) None of these

44) --------- also provide facility of magnifying and portion

Of signature of closed verification

a) Storage system
b) Signature storage system

c) Signature retrieval system

d) Signature system

45) PIN stands for -------------

a) Post index number

b) Permanent index number

c) Permanent identification number

d) Personal identification number

46) --------- is a photographic film which is capable of

Storing information in miniaturized form

a) Microfiche

b) Macrofiche

c) Magnifiers

d) Microwave

47) The standard size of microfiche is -------------

a) 3 by 5 inches

b) 4 by 5.8 inches

c) 4 by 5.6 inches

d) 4.5 by 5.8 inches

48) --------- is a alphanumeric code used for authenticated

Access to a system

a) Security number

b) Pin number

c) Din number
 d) None of these

49) --------- is a plastic payment card that can be used

Instead of cash when making purchases

a) Credit card

b) Debit card

c) Smart card

d) Both a and b

50) --------- is a financial tool that enables cardholders to

Make purchases on credit

a) Credit card

b) Debit card

c) Smart card

d) Both a and b

51) AUDIT TRAIL IS:

(A) A Chronological record of all events occurring in a system is

(B) Report submitted by auditors

(C) All of the above

(D) None of these

(E) A collection of record generated by database administrator

52) EFFECTIVE CONTROL MECHANISM(s) IN COMPUTERIES ENVIRONMENT

ARE:

(A) Preventive
(B) Detective

(C) Corrective

(D) All the above

(E) Both (a) and (b)

53) Objective of IS security is to ensure:

(A) Confidentiality

(B) Integrity

(C) Availability

(D) All of the above

(E) None of these

54) MODEM DOES THE FOLLOWING:

(A) Modulates digital signals into analogue

(B) Demodulates analogue signals into digital

(C) Converts data into image

(D) Both (a) and (b)

(E) None of these

55) IN A MICROWAVE SYSTEM.

(A) Radio waves are modulated to carry information

(B) Wave beams are sent from one antenna to another

(C) Along the route the receiver data is amplified and retransmitter

(D) Microwave signals my be passed on to the satellite

(E) All of the above

56) COMPUTER BASED INFORMATION SYSTEM OFFER

(A) Data consistency

(B) Data redundancy

(C) Flexibility and ease for modification

(D) Reliability

(E) All of the above

57) WHICH OF THE FOLLOWING PAYMENT SYSTEM USE(S) EDI?

(A) RTGS

(B) Fedwire

(C) NEFT

(D) SWIFT

(E) All of the above

58) COMMUNICATION TECHNOLOGY

(A) Facilitates the processing of data

(B) Helps in transmission of data

(C) Enables decision support system

(D) Is a tool for data mining

(E) All of the above

59) IMPACT OF IT ON BANKS CAN BE

(A) Change in organizational structure

(B) Change in organizational orientation

(C) Change in service delivery channel

(D) Change in customer aspiration

(E) All of the above

60) INFORMATION TECHNOLOGY HAS RESULTED IN.

(A) Improved efficiency

(B) Innovative products

(C) Effective delivery system

(D) Enhanced productivity

(E) All of the above

61) Bank can use a corporate website for

(A) DISSEMINATION OF INFORMATION

(B) Financial advice

(C) Accounts services

(D) Selling products

(E) All of these

62) DATA MINING TECHINQUES CAN BE APPLIED IN

(A) Producing future trends based on information available

(B) Credit risk analysis

(C) Analyzing demographic information about customers

(D) Portfolio management

(E) All of the above

63) THE UNIVERSAL SET OF STANDARDS FOR EDI IS KNOWN AS

(A) EDIFACT

(B) EDI

(C) ISO

(D) BIS

(E) NONE OF THESE

64) IN AN OPTICAL FIBRE DATA IS TRANISMITTED THROUGH.

(A) A very thin glass or plastic fibre with a beam of light

(B) Satellite

(C) Laser beam driven by a high speed high current driver

(D) Both (a) and (b)

(E) None of these

65) A TWISTED PAIR CABLE CONSISTS OF

(A) Two insulated copper wire

(B) An inner copper conductor held in position by circular spacers

(C) Single copper wire

(D) All of the above

(E) None of these

66) A COAXIAL CABLE CONSISTS OF

(A) TWO INSULATED COPPER WIRE

(B) AN INNER COPPER CONDUCTOR HELD IN POSITON BY CIRCUALR SPACERS

(C) SINGLE COPPER WIRE

(D) ALL OF THE ABOVE

(E) NONE OF THESE

67) THE PHASES OF DISASTER RECOVERY PLANNING ARE

(A) Awareness

(B) Preparation

(C) Testing

(D) Recovery
(E) All of the above

68) A SIMPLEX TRANSMISSION IS CAPABLE OF

(A) TRANSMITTING DATA ONLY IN ONE DIRECTION

(B) DATA MOVEMENT IN BOTH THE DIRECTIN BUT ONLY IN ONE DIRECTION AT A
TIME

(C) PROVIDING A SIMULTANOUS TWO WAY COMMUNATION

(D) DATA COMMUNICATION ONLY

(E) NONE OF THESE

69) A FULL DUPLEX TRANSMISSION IS CAPABLE OF

(A) TRANSMITTING DATA IN ONE DIRCTION ONLY

(B) DATA MOVEMENT IN BOTH THE DIRECTION BUT ONLY IN ONE DIRECTION AT
A TIME

(C) PROVIDING A SIMULTANOUS TWO WAY COMMUNATION

(D) DATA COMMUNICATION ONLY

(E) NONE OF THESE

70) THE UPPER VALUE LIMIT OF AS INDIVIDUAL NATIONAL ELECTION FUNDS

TRANSER (NEFT) TRANSACTION IS

(A) Rs.200000

(B) Rs.500000

(C) Rs.100000

(D) Rs.1000000
(E) None of the above

71) In core banking system

a) Branches are connected to a central host

b) Branch automation modules and delivery channels are integrated

c) Transactions are done centrally and online

d) Any branch banking is enabled

Ans:(c)

72) Benefits in core banking is

a) Reliable centralized data recovery and core infrastructure

b) Enables data warehousing and data mining technologies

c) Integrated customer centric services

d) All the above

Ans:(d)

73) Identify which does not belong to the components of core banking system

a) Retail customer banking modules

b) Trade finance/forex modules

c) Stop payment instructions

d) Government business modules

Ans:(c)

74) WAN stands for

a) World Area Network

b) Wide Area Network

c) World Automated Network

d) Wide Automatic Network

Ans:(b)

75) Which link should be used as a backup from the following

a) MPLS

b) RTGS

c) ISDN

d) SFMS

Ans: (c)

76) ATMs provide............

a) Round the clock service

b) Privacy in transaction

c) Anywhere banking facility

d) All the above

Ans:(d)

77) PIN stands for

a) Personality Identification Number

b) Personal Identification Number

c) Personal Identify Number

d) Personality Identify Number

Ans: (b)

78) PIN is
a) Randomly generated sequence of digits

b) Postal index number

c) Stored in magnetic strip of a card

d) Both (a) and (c)

Ans: (d)

79) Electronic purse may have following number of storage space.......

a) One

b) Two

c) Many

d) No storage space

Ans: (c)

80) The development springing from e-commerce is

a) Higher degree of personalization

b) Fast and flexible execution

c) Immediate customer reaction

d) No reduction in operating cost

Ans:(d)

81) Application of online updating in banks is in

a) Back_office mechanisation

b) Front_office mechanisation

c) Automated teller machine

d) Batch updates
Ans: (b)

82) Identify which is not the delivery channels from the following

a) Direct dial-up connections

b) Private networks

c) Public networks

d) Personal computers

Ans: (d)

83) Specify which is not the levels of banking services offered through the

internet

a) Banks websites

b) Simple transactional websites

c) Semi transactional websites

d) Fully transactional websites

Ans: (c)

84) Which technology helped for speedy clearance of cheques in the four

metropolitan cities

a) Banknet

b) MICR technology

c) RTGS systems

d) EFT

Ans: (b)

85) List which is not the modes of transmission from the following
a) Simplex

b) Complex

c) Half_duplex

d) Full_duplex

Ans: (b)

86) From the following which is not a basic components

a) Transmission structure

b) Transmission devices

c) Transmission medium

d) Transmission processors

Ans: (a)

87) Which is not the functions of distribution channel?

a) Contact

b) Market information

c) Marketing research

d) Promotion

Ans: (c)

88) Marketing channel refers to

a) A physical channel for movement of goods

b) A set of firms who handle the physical movement of goods

c) Different departments involved to deliver the goods

d) A set of independent organization to deliver the goods

Ans: (a)

89) Identify the type of intermediaries are not found in working for banks

a) Direct sales agents

b) Employees and office workers

c) Automobile dealers

d) Merchant establishment

Ans: (b)

90) Product characteristics does not deal with which types of channels are

a) Perishable products

b) Consumer durables

c) Industrial products

d) Capital goods

Ans: (d)

91) Transation per month that recently RBI reduced in six metropolitam cities?

a,5 b,4 c,2 d,3

92.How much bank charges when you check your account balance on ATM after free transaction
limit?

a,RS 15 b,RS 5 c,RS 10 d,RS 20

93.How much bank charges beyond the transaction limit?

a,RS 15 b,RS 10 c,RS 20 d,RS 30

94.Time limit for resolving customer's complaint by issuing banks?

A. With in 9 working days from the date of receipt of customer complaint.

b. With in 7 working days from the date of receipt of customer complaint.

C. With in 5 working days from the date of receipt of customer complaint.

d. Within 3 working days from the date of receipt of customer complaint.

95. In case of failure to re-credit customer's account with in 7days how much compensation is
paid to the customer?

a,RS 30 b,RS 10 c,RS 70 d,RS 100

96. First bank to provide ATM in India?

a. Indian bank b. SBI c. ICICI d. canara bank

97.First India's talking ATM launched by which bank?

a,union bank of India

b,state bank of india

c,bank of baroda

d,ICICI

98.What type of cards can be used at an ATM?

a,mastro card&platinum card.

b,debit card& credit card.

c,current account card.

d,saving account card.

99.which was the second bank to launch Talking ATM in India?

a,bank of India b,Indian bank c,city union bank d,state bank of india

100.Talking ATM has what kind of special interface?

a,voice interface b,input interface c,technical interface d,self check

101.India's first non-bank owned ATM (white Label ATM'S) opens in which state?

a,Gujarat b,Tamilnadu c,Maharashtra d,Kerala

102.India's first company to open white Label ATM'S?

a,airtel communication payments solutions Ltd.

b,Tata communication payments solutions Ltd.

c,BSNL communication payments solutions Ltd.

d,infocus communication payments solutions Ltd.

103.What is anywhere banking?

a,customer use the bank in anywhere.

b,customer use account in other branch.

c,customer use account in other state.

d,customer use account in international countries.

104.what is electronic payment systems replace?

a,cash and check.

b,cash and debit transactions.

c,letters and checks.

d,cash and money orders.

105.Electronic payment systems results in reduced costs for?

a,both businesses and individuals.

b,both bankers and RBI.

c,both customers and state.

d,central government and banking sectors.

106.what is cash dispensers use?

a,show account information and supplies cash.

b,discontinue the transactions.

c,enter pin to change password.

d,display the account and passbook printer.

107.Any time banking the footwalls at the branches has diastically declined,customers not go to
any of the ATM for what?

a,closing of account.

b,cash deposits & withdrawel.

c,withdrawel of cash.

d,overdrafts of cash.

108.Anytime banking is used for what?

a,Take cash at bank directly.

b,deposit of cash.

c,waiting for cheque transaction.

d,without visiting the bank branch draw cash in any ATM.

109. Mobile banking or anywhere banking contains how many hours and used by whom?

a, 24hours and used by student.

b, 24hours and used by public.

c, 24hours and used by all.

d, cannot use by any person.

110. Transations through mobile banking depends on the features of the mobile is?

a, mobile banking app. b, websities of tata communication.

c, Google pay app. d, phone pay app.

111) The function of ______is primarily to set up some computers as hosts, set up some
computers as clients and connect all the computers involved with each other:
a) Networking software
b) Application Software
c) System software
d) None

112) In star topology

a) Each node is joined to the central node by a separate link
b) Devices are connected in a closed loop
c) Information is passed from one node to another in series
d) Devices on the network are connected to a single continuous cable
113) In ring topology
a) Each node is joined to the central node by a separate link
b) Devices are connected in a closed loop
c) Information is passed from one node to the other in series (d) (b) and (c)
d) All of above

114) Electronic purse may have following number of storage space

a) Only one
b) Two
c) Several
d) No storage space

115) MODEM does the following

a) Modulates digital signals into analogue
b) Demodulates analogue signals into digital
c) Converts data into image
d) Both (a) and (b)

116) A twisted pair cable consists of

a) Two insulated copper wire
b) An inner copper conductor held in position by circular spacers
c) Single copper wire
d) All of above

117) A coaxial cable consists of

a) Two insulated copper wire
b) An inner copper conductor held in position by circular spacers
c) Single copper wire
d) None

118) A message switcher is used to

a) Store and forward data to large number of terminals over a single communication channel
b) Send more than one signal simultaneously over a single communication channel
c) Intercept and handle communication activities for the host computer
d) All of above

119) The universal set of standards for EDI is known as

a) EDIFACT
b) EDI
c) ISO
 d) BIS

120) A typical computerized environment constitutes three interdependent but separate

components
a) Software, hardware and data
b) Hardware, software and UPS
c) Software, modem and networking
d) Software, people ware and data

121) Tele-banking facility is provided by banks through bank computers based on which of the
following:
a) Voice processing
b) Brick and mortar processing
c) Internet processing
d) Virtual banking

122) Which of the following is not an advantage of the multi-user computer system through
networking?
a) Corporate level information is available at one place
b) Costly hardware can not be shared between various user due to which it is not effective
c) Information can be shared easily between various users
d) Computing resources can be used economically by processing the high volume data

123) The system of marketing information is ______ that pertains to marketing:

a) The structure of people, equipment and procedures for generation and processing of
Information
b) The software used for collection of information
c) The computer hardware which is used for handling database
d) The set of inputs to collate the information

124) Those terminals that are attached to a server in a computer network system, are called
a) CPU, Nodes Clients
b) Only CPU and Clients
c) Only clients and nodes
d) Only CPU and nodes

125) Which of the following payment system location does not match ?
a) Clearing House Inter-bank Payment System (CHIPS)-Us
b) Clearing House Automated Payment System (CHAPS)-Singapore
c) Clearing House Automated transfer System (CHATS)-Hong Kong
d) INFINET- India.
126) Which of the following is not an important features of local area network ?
a) an independent system is called node which is interconnected to LAN
b) there is generally one central node called ‘server’
c) the way, the different types of services are handled by server depends upon topology and
protocols
d) it can be used within limited wide area of say 10 Kms

127) The INTERNET uses the protocol termed as

a) TCP/IP
b) FTP
c) UDP
d) Gopher

128) A computer program which could infect the other programs or data is called:
a) application software,
b) cyber crime
c) virus
d) computer fraud

129) The process of transformation of a message into an incomprehensible data through use of
mathematical algorithms is called:
a) deciphering,
b) encryption
c) decryption,
d) coding

130) To authenticate a Digital signature, which of the following keys are used:
a) master key and customer key,
b) private key and public key,
c) private key and customer key
d) public key and special key

131) IDRBT stands for which of the following:

a) Institute for Development and Research in Banking Technology
b) Institute for Development and Research in Business Technology
c) Institution of Development and Research in Banking Technology
d) Institute for Development of Rural Banking Technology

132) In bus topology

a) Each node is joined to the central node by a separate link
b) Devices are connected in a closed loop
c) Information is passed from one node to another in series
d) Devices on the network are connected to a single continuous cable