Computer Knowledge and Digital Banking
Computer Knowledge and Digital Banking tests computer fundamentals, office software, internet and networking basics, cyber safety, and digital payment systems used in branch work. Questions often ask about memory, input/output devices, shortcuts, UPI, NEFT/RTGS/IMPS, cards and e-KYC.
Core rules
- RAM is volatile and loses data on power-off; ROM is non-volatile. Primary memory is directly accessed by the CPU; secondary storage includes hard disks and pen drives.
- Input devices send data to the computer; output devices present results. A touchscreen does both.
- NEFT settles in batches; RTGS is real-time gross settlement and is meant for high-value transfers, with a minimum of ₹2 lakh; IMPS is immediate and available 24x7 through mobile banking.
- UPI uses a virtual payment address. The UPI PIN must never be shared; a collect request should be accepted only after checking the payee.
- e-KYC uses Aadhaar-based authentication or digital verification to open accounts remotely.
Worked example
A customer must transfer ₹3 lakh urgently to another bank and needs immediate settlement. RTGS is the suitable choice: it is real-time and designed for high-value transactions of ₹2 lakh and above. NEFT would work but settles in batches, so it is less suitable when immediacy is essential.
Traps
Calling RAM non-volatile; treating RTGS as a small-value retail system; confusing IMPS with NEFT settlement timing; sharing an OTP or UPI PIN; assuming a screenshot proves a payment; forgetting that a UPI collect request is a request to pay, not a credit.