Module: General Practice
Q15: As per the RBI directive on "Framework for Due Diligence and Risk Management of AePS Touchpoint Operators" (effective January 1, 2026), if an AePS Touchpoint Operator (ATO) remains inactive for a specific continuous period, the acquiring bank must perform a fresh KYC (Re-KYC) before reactivating them. What is this inactivity period?
✅ Correct Answer: B
🎯 Quick Answer:
3 months. Concept: AePS Touchpoint Operator (ATO) Monitoring. Regulatory Update (Jan 2026): To prevent "dormant" IDs from being misused by fraudsters (who often buy inactive IDs to commit transaction fraud), RBI mandated that any ATO ID that shows no activity (financial or non-financial) for 3 continuous months must be deactivated. The acquiring bank cannot simply "switch it back on." They must conduct a fresh KYC (Know Your Customer) process to verify the agent's physical presence.