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JAIIB PPB Unit 47 — Impact of Technology Adoption & Trends: Free MCQs with Explanations

By Swarnakshi Jha (ex-banker) · Updated 20 September 2026 · Paper 2 of the November 2026 cycle (22 November 2026)

This page is a free slice of our JAIIB PPB question bank for Unit 47 — Impact of Technology Adoption & Trends (Module C — Banking Technology). The Mock Centre holds 45 questions on this unit alone, every one with a why-right / why-wrong explanation; below are the facts examiners keep returning to, five of those questions to try, and the traps that cost marks.

PPB · Module C45 MCQs in the Mock Centre5 free belowPaper on 22 November 2026

Key facts examiners test from this unit

  1. e-mail = unstructured; EDI = structured/formatted (a.k.a. EFT; SWIFT messages; credit-card networks); EDIFACT = Electronic Data Interchange For Administration, Commerce and Transport.
  2. MIS = data→information + timeliness; DSS = interactive what-if tools (CRR/SLR impact); ADF = RBI's automated, manual-free data submission.
  3. Websites: information, financial advice, non-banking activities, commerce node (Barclaycard — UK's largest Visa issuer), product sales, account services.

5 free practice questions — tap an option

Five basic questions from this unit. Answers lock on the first tap, exactly as in the exam, and a short explanation opens underneath. The Mock Centre adds the moderate and tough questions, why every other option is wrong, the concept capsule and the exam tip — with your score and revision dates tracked.

Question 1 of 5
Which of the following is a security measure used by banks to protect customer data privacy?
Why (a): Banks use Data Encryption, Data Checksum, Data Leakage Prevention, Database Monitoring and Privilege User Monitoring to protect data privacy.
Question 2 of 5
Which senior contractual role is increasingly recruited by banks due to IT adoption?
Why (a): Banks increasingly recruit senior roles like CTO (Chief Technology Officer), Computer Information Security Officer and Chief Risk Officer.
Question 3 of 5
Which of these are real-life examples of chatbots/virtual assistants?
Why (a): Chatbot/virtual assistant examples include Google Now, Apple's Siri and Microsoft's Cortana.
Question 4 of 5
5G technology is characterized by:
Why (b): 5G technology is characterised by LOW LATENCY, HIGH DATA CAPACITY AND RELIABILITY — the millisecond-response network behind real-time services.
Question 5 of 5
In a blockchain, transactional records are best described as:
Why (b): Blockchain records are cryptographically signed and immutable/irrevocable, shared across a peer-to-peer network with consensus.
0 of 5 answered.

Traps in this unit

Confusable AConfusable BThe difference
e-mailEDIUnstructured free-format vs structured formatted
EDIEDIFACTThe concept vs the universal standards
Practise all 45 questions on Unit 47. The free demo opens a slice of every subject with the same explanations; the PPB Online-only pass unlocks all 3,280 PPB questions, the full and module mocks, Smart Revision and the Readiness Score for one year (₹1,299). Not sure where you stand? Take the free 10-question test first.
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← Unit 46: Digital Payment Systems — NPCI · Unit 48: Security Considerations & Mitigation Measures → · All PPB units · JAIIB 2026 guide

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Independent study aid — not affiliated with, endorsed by, or sponsored by the Indian Institute of Banking & Finance (IIBF). Exam pattern, dates, fees and passing criteria are set by IIBF — always confirm the current rules at iibf.org.in. Regulatory figures verified as of September 2026; verify from official sources before relying on them in practice.