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PPB Capsule Cards PRO Alternate Delivery Channe…
For quick onboarding, PPI issuers offer 'Small PPIs' using just an OTP and self-declaration of a valid ID. What are the strict loading limits imposed on these minimum-detail instruments?
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Small PPIs (Minimum Detail)
Alternate Delivery Channels – Digital Banking 33
WA 33
PPB Capsule Cards PRO Alternate Delivery Channe…
Prepaid Payment Instruments (PPIs) facilitate purchases against a pre-loaded value. What defines a 'Closed System' PPI, and do they require RBI approval to be issued?
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Closed System PPIs
Alternate Delivery Channels – Digital Banking 30
WA 30
PPB Capsule Cards PRO Alternate Delivery Channe…
Digital wallets issued by banks and non-banks require KYC. For a Full-KYC PPI, what is the maximum outstanding amount allowed at any single point in time?
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Full-KYC PPIs and Limits
Alternate Delivery Channels – Digital Banking 28
WA 28
PPB Capsule Cards PRO Alternate Delivery Channe…
Automated Teller Machines (ATMs) transformed banking by allowing cash withdrawals outside branch hours. Which committee recommended setting up ATMs strategically at Indian airports, railway stations, and commercial centres?
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Rangarajan Committee & ATMs
Alternate Delivery Channels – Digital Banking 27
WA 27
PPB Capsule Cards PRO Alternate Delivery Channe…
ATM deployment involves significant hardware and network management costs. What is a 'Brown Label ATM' and how is the responsibility shared between the sponsor bank and the service provider?
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Brown Label ATMs
Alternate Delivery Channels – Digital Banking 26
WA 26
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PPB Capsule Cards PRO Alternate Delivery Channe…
Electromagnetic cards serve as plastic money. What is the fundamental difference in the repayment structure between a traditional Credit Card and a Charge Card?
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Credit Card vs Charge Card
Alternate Delivery Channels – Digital Banking 26
WA 26
PPB Capsule Cards PRO Alternate Delivery Channe…
Banks categorize Internet banking based on the functionality offered to reduce risk. What distinguishes a 'Simple Transactional Website' from a 'Fully Transactional Website'?
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Levels of Internet Banking
Alternate Delivery Channels – Digital Banking 26
WA 26
PPB Capsule Cards PRO Alternate Delivery Channe…
While traditional CDMs only accept deposits, modern branches utilize 'Cash Recyclers'. What unique dual capability makes Cash Recyclers highly efficient for cash management?
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Cash Recyclers vs CDMs
Alternate Delivery Channels – Digital Banking 25
WA 25
PPB Capsule Cards PRO Alternate Delivery Channe…
The digital era has spawned a new category of financial institutions that lack physical branches entirely. What is the term for these Fintech firms providing mobile-first banking services?
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Neo-Banking
Alternate Delivery Channels – Digital Banking 25
WA 25
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Cash Deposit Machines (CDMs) save time by avoiding teller queues. As per RBI guidelines, what is the strict daily cash deposit limit per account if the customer's PAN is not recorded?
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Cash Deposit Machine (CDM) PAN Limit
Alternate Delivery Channels – Digital Banking 22
WA 22
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Magnetic stripe cards are prone to skimming. To enhance security, banks issue Smart Cards. What global standard governs the interoperability of these chip-based payment cards?
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Smart Cards & EMV Standards
Alternate Delivery Channels – Digital Banking 21
WA 21
PPB Capsule Cards PRO Alternate Delivery Channe…
Gift cards are popular for corporate and personal gifting. According to RBI guidelines for specific categories of PPIs, what is the maximum value of a single Gift PPI and is it reloadable?
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Gift PPIs (Specific Category)
Alternate Delivery Channels – Digital Banking 21
WA 21
PPB Capsule Cards PRO Alternate Delivery Channe…
Not everyone in India has a smartphone or internet access. What mobile banking service, launched by NPCI, allows feature-phone users to access banking services without internet?
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USSD Based Mobile Banking (*99#)
Alternate Delivery Channels – Digital Banking 21
WA 21
PPB Capsule Cards PRO Alternate Delivery Channe…
To reduce branch footfall and staff drudgery, banks deploy automated machines for passbook updates. How does the PBK identify the customer's account instantly?
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Pass Book Printing Kiosk (PBK)
Alternate Delivery Channels – Digital Banking 23
WA 23
PPB Capsule Cards PRO Alternate Delivery Channe…
RBI regulates mobile banking to manage systemic risk. Do banks have an arbitrary limit imposed by RBI for mobile banking transactions, or how are fund transfer limits decided?
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Mobile Banking Transaction Limits
Alternate Delivery Channels – Digital Banking 22
WA 22
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PPB Capsule Cards PRO Alternate Delivery Channe…
Historically, banks mailed printed PINs for debit cards, which posed security and logistical issues. What modern alternative allows customers to instantly generate their own PIN safely?
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Green PIN Generation
Alternate Delivery Channels – Digital Banking 21
WA 21
PPB Capsule Cards PRO Alternate Delivery Channe…
Biometric security prevents card fraud. Differentiate between Dynamic Signature Verification and Retinal Pattern Verification in banking security features.
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Dynamic Signature vs Retinal Verification
Alternate Delivery Channels – Digital Banking 19
WA 19
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NFC technology has made POS transactions much faster. What specific ISO/IEC standard defines the physical and data link layers for contactless smart cards like PayWave or ExpressPay?
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Contactless (Tap & Go) Cards
Alternate Delivery Channels – Digital Banking 18
WA 18
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Alternate Delivery Channels – Digital Banking — JAIIB PPB Capsules

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All 18 cards on this page
Small PPIs (Minimum Detail) For quick onboarding, PPI issuers offer 'Small PPIs' using just an OTP and self-declaration of a valid I… Closed System PPIs Prepaid Payment Instruments (PPIs) facilitate purchases against a pre-loaded value. What defines a 'Clos… Full-KYC PPIs and Limits Digital wallets issued by banks and non-banks require KYC. For a Full-KYC PPI, what is the maximum outst… Rangarajan Committee & ATMs Automated Teller Machines (ATMs) transformed banking by allowing cash withdrawals outside branch hours.… Brown Label ATMs ATM deployment involves significant hardware and network management costs. What is a 'Brown Label ATM' a… Credit Card vs Charge Card Electromagnetic cards serve as plastic money. What is the fundamental difference in the repayment struct… Levels of Internet Banking Banks categorize Internet banking based on the functionality offered to reduce risk. What distinguishes… Cash Recyclers vs CDMs While traditional CDMs only accept deposits, modern branches utilize 'Cash Recyclers'. What unique dual… Neo-Banking The digital era has spawned a new category of financial institutions that lack physical branches entirel… Cash Deposit Machine (CDM) PAN Limit Cash Deposit Machines (CDMs) save time by avoiding teller queues. As per RBI guidelines, what is the str… Smart Cards & EMV Standards Magnetic stripe cards are prone to skimming. To enhance security, banks issue Smart Cards. What global s… Gift PPIs (Specific Category) Gift cards are popular for corporate and personal gifting. According to RBI guidelines for specific cate… USSD Based Mobile Banking (*99#) Not everyone in India has a smartphone or internet access. What mobile banking service, launched by NPCI… Pass Book Printing Kiosk (PBK) To reduce branch footfall and staff drudgery, banks deploy automated machines for passbook updates. How… Mobile Banking Transaction Limits RBI regulates mobile banking to manage systemic risk. Do banks have an arbitrary limit imposed by RBI fo… Green PIN Generation Historically, banks mailed printed PINs for debit cards, which posed security and logistical issues. Wha… Dynamic Signature vs Retinal Verification Biometric security prevents card fraud. Differentiate between Dynamic Signature Verification and Retinal… Contactless (Tap & Go) Cards NFC technology has made POS transactions much faster. What specific ISO/IEC standard defines the physica…
Chapters in this paper
Banker-Customer Relationship Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities Essentials of Bank Computerisation Ethics, Business Ethics & Banking: An Integrated Perspective AML- KYC Guidelines Appraisal and Assessment of Credit Facilities Operational Aspects of CBS Environment Ethics at the Individual Level Operational Aspects of KYC Operational Aspects of Loan Accounts Alternate Delivery Channels – Digital Banking Ethical Dimensions: Employees Opening Accounts of Various Types of Customers Types of Collaterals and their Characteristics Data Communication Network and EFT Systems Work Ethics and the Workplace
Modules in PPB
MODULE A: General Banking Operations MODULE B: Functions of Banks MODULE C: Banking Technology MODULE D: Ethics in Banks and Financial Institutions
JAIIB papers
IE-IFS — Indian Economy & Indian Financial System PPB — Principles & Practices of Banking AFM — Accounting & Financial Management for Bankers RBWM — Retail Banking & Wealth Management
Study formats
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