BHIM app , UPSC PRELIMS 2018 , GS , SET – C , Q 83

SET – C , Q 83

Q . With reference to digital payments, consider the following statements:

1 . BHIM app allows the user to transfer money to anyone with a UPI-enabled bank account.

2 . While a chip-pin debit card has four factors authentication, BHIM app has only two factors of authentication.

Which of the statements given above is/are correct?

a . 1 only
b . 2 only
c . Both 1 and 2
d . Neither 1 nor 2

Answer – a


The BHIM apps has three levels of authentication. For one, the app binds with a device’s ID and mobile number, second a user needs to sync whichever bank account (UPI or non-UPI enabled) in order to the conduct transaction. Third, when a user sets up the app they are asked to create a pin which is needed to log into the app. Further, the UPI pin, which a user creates with their bank account is needed to go through with the transaction.