Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q1: Which payment system is described as having "completely transformed digital payments in India", and promoted a diversified and inclusive payments ecosystem?

A
National Electronic Funds Transfer (NEFT)
B
Real Time Gross Settlement (RTGS)
C
Unified Payments Interface (UPI)
D
Immediate Payment Service (I M P S)
✅ Correct Answer: C
The Unified Payments Interface (UPI) is credited with completely transforming digital payments in India.
It has successfully promoted a diversified and inclusive payments ecosystem, enabling easy transactions for both merchants and consumers.
This transformation is a central theme in the RBI's Payment Systems Report - June 2025.