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IBPS Clerk Prelims 2018: Questions Based On Cloze Test

Directions (1 - 10): In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each some alternatives are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case. If the appropriate word is not given, then choose option (e) as your answer.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to (___1___) financial transaction linked to a client’s account. M-Banking is new in most countries and most mobile payment models even in developed countries, up to date operate on a (___2___) scale. A mobile network offers a (___3___) available technology platform onto which other services can be provided at low cost with effective results. For example, M-Banking services which use (___4___) such as SMS can be carried at a cost of less than one US cent per message. The low cost of using existing infrastructure makes such services more (___5___) to use by customers with lower purchasing power and opens up access to services which did not reach them earlier due to (___6___) cost of service delivery. Although M-Banking is one aspect in the wider (___7___) of e banking there are reasons to single it out for focus especially because there are a lot more people with mobile phones than bank accounts in India. M-Banking could provide a (___8___) solution to bring more unbanked people to the financial mainstream. Without traditional credit, individuals are (___9___) to exploitation by abusive lenders offering very high interest rates on short term loans .Also of considerable importance are public safety implications for the unbanked they are often victims of crime because many operate on a cash only basis and end up carrying significant amounts of cash on their (___10___) or store cash in their homes.


(a) disburse                                     (b) undertake 

(c) subscribe                                   (d) lure amass

(e) none of the above


(a) full                                               (b) voluminous  

(c) substantial                                  (d) limited

(e) none of the above


(a) readily                                         (b) tangible 

(c) routine                                                  (d) unique

(e) none of the above


(a) process                                      (b) waves  

(c) deliveries                                    (d) channels

(e) none of the above


(a) valuable                                     (b) answerable 

(c)amenable                                    (d) exposed

(e) none of the above


(a) waning                                        (b) stable  

(c) proportionate                             (d) high

(e) none of the above


(a) archive                                       (b) domain 

(c) purpose                                      (d) component

(e) none of the above


(a) law abiding                                 (b) tried

(c) reassuring                                 (d) cost effective

(e) none of the above


(a) inclined                                       (b) immune   

(c) vulnerable                                  (d) surrendered

(e) none of the above


(a) person                                        (b) own         

(c) relatives                                     (d) purses

(e) none of the above

Answers With Explanation:

1. Option (b) is the correct alternative as finance is disbursed but financial transactions are undertaken.

2. Option (d) is the correct alternative as ‘Limited’ is the appropriate answer as M – banking is new as mentioned in the paragraph.

3. Option (a) is the correct alternative as Readily mean without delay or difficulty; easily.

4. Option (d) is the correct alternative as Channels mean mediums.

5. Option (c) is the correct alternative as ‘Amenable’ means capable of being acted upon in a particular way; susceptible.

6. Option (d) is the correct alternative as services cannot be reached to the people only due to the high costs.

7. Option (b) is the correct alternative as Domain means an area of territory owned or controlled by a particular ruler or government.

8. Option (d) is the correct alternative as Cost effective means something is provided at a low cost.

9. Option (c) is the correct alternative as Vulnerable means exposed to the possibility of being attacked or harmed, either physically or emotionally.

10. Option (b) is the correct alternative as it is the only relevant option.


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