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RBI Is Planning To Change The OTP You Use To Authenticate Your Transaction | UPSC GS3 

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In this video, uncover the Reserve Bank of India's plan to modify the OTP authentication method for transactions, a crucial topic for UPSC GS3 preparation. Explore the proposed changes, their implications for digital security, and the evolving landscape of online banking. Gain insights into the technological advancements and regulatory measures aimed at enhancing transaction security. Stay informed and prepared with expert analysis on this significant development.
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8 фев 2024

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Комментарии : 237   
@studyiqofficial
@studyiqofficial 6 месяцев назад
Use the code ‘ANKITLIVE’ to get Our Courses at a Maximum discount! Hurry Enroll Now : bit.ly/3HQFpcJ For any queries please whatsapp on bit.ly/wame8952084937 UPSC IAS Live GS Foundation P2I 2025 February Batch : bit.ly/3HQFpcJ Batch Starting on 16th February 2024 | Daily Live Classes at 8:00 AM Hurry Enroll Now : bit.ly/3HQFpcJ UPSC IAS Live GS Foundation 2025 P2I February Hindi Batch बैच 9 फरवरी 2024 से शुरू हो रहा है | बैच का समय सुबह 8:00 बजे Hurry Enroll Now : bit.ly/49jYVKn UPSC IAS Live GS Foundation 2025 P2I February English Batch Batch Starting on 26th February 2024 | Daily Live Classes at 6:00 PM Hurry Enroll Now : bit.ly/47XLChH UPSC IAS Long Term P2I Foundation LIVE 2026 Batch Admissions Closing on 10th February 2024 | Daily Live Classes at 6:00 PM Hurry Enroll Now : bit.ly/427maoA UPSC IAS Live SIP+ 2024 February Batch Admissions Closing on 10th February'2024 | Class Timing - 5:00 PM Hurry Enroll Now : bit.ly/47RWHRh UPSC IAS Prelims to Interview ( P2I) 2024 Live Advanced Batch 6 Batch Started on 16th November 2023 | Daily Live Classes at 6:30 PM Hurry Enroll Now : bit.ly/46nl6h4 UPSC IAS (Mains) LIVE Optional Batches : bit.ly/3DrHsmw (PSIR, Sociology, History, Geography, Pub Ad, Anthropology, Mathematics, Hindi Literature) Set of 18 - General Studies books Hurry Enroll Now : bit.ly/416mF1T
@pramodkumar-hk1cx
@pramodkumar-hk1cx 5 месяцев назад
Bilkul sahi bola bhai
@mohanverma3229
@mohanverma3229 6 месяцев назад
2 min ki news aur video 9 min ki repeating same things again and again in video. Quality of study iq is degrading day by days
@yogibaba_gorakhpurwale
@yogibaba_gorakhpurwale 6 месяцев назад
Paise ka khel hai babu bhaiya.
@vandergrift5557
@vandergrift5557 6 месяцев назад
9 mein 2 min marketing 😂
@shivamupadhyay2070
@shivamupadhyay2070 6 месяцев назад
Excellent 👌
@Cactus007rn
@Cactus007rn 6 месяцев назад
No doubt in that 😂
@bheemarayasf1041
@bheemarayasf1041 6 месяцев назад
It may help rural students who need detailed and slow explanation... Many spend time on social media, those who tell educational videos some think of time saving
@googlejokes2206
@googlejokes2206 6 месяцев назад
Me toh 5 ₹ ki Vimal leta hu toh bhi upi karta hu 😅😅😅 bolo zuban kesri 😂
@Prakash-jr4ob
@Prakash-jr4ob 6 месяцев назад
Aap hi log to Desh me mahaul banaye hue hain 😂
@user-gh3vh9mp7f
@user-gh3vh9mp7f 6 месяцев назад
Bolo zuban kesari....
@vaibhavharde67
@vaibhavharde67 6 месяцев назад
😂😂😂😂
@shashikantbhartee5887
@shashikantbhartee5887 6 месяцев назад
😂😂
@vlogforpeople004
@vlogforpeople004 6 месяцев назад
Bjk
@magejkumarmanjhu
@magejkumarmanjhu 6 месяцев назад
Ans) Increase in real per capita income Per capita income is a measure of the average income earned per person in a given area (usually in a country) in a particular year. When this figure is adjusted for inflation, the real per capita income is obtained, which gives the best measure of an increase in a country’s economic efficiency. 8:43
@_AshishGupta_
@_AshishGupta_ 6 месяцев назад
I use UPI even to pay one rupee😅
@creativeminds5313
@creativeminds5313 6 месяцев назад
Security and personal data is a joke in india 😢
@vinayakgupta2003
@vinayakgupta2003 6 месяцев назад
Not just in India... It's the same everywhere
@m11nt
@m11nt 5 месяцев назад
​@@vinayakgupta2003Europe?
@ndeepanshu6541
@ndeepanshu6541 5 месяцев назад
​@@m11nt yes, in US and Europe as well.
@amitkr.vishwakarma333
@amitkr.vishwakarma333 6 месяцев назад
10rs+10rs for tea= UPI 😂
@trad_rashtra_sevak
@trad_rashtra_sevak 6 месяцев назад
Security is a myth until you get pwned😊
@d_techterminal
@d_techterminal 6 месяцев назад
With that logic no improvements should be made by anyone because you will get pwned sooner or later
@TheSunAgain756
@TheSunAgain756 6 месяцев назад
​@@d_techterminalor you should always be researching ahead, no? Because you know someone is going to break the current one!
@d_techterminal
@d_techterminal 6 месяцев назад
@@TheSunAgain756 that's exactly what I'm trying to say.
@AkshatBhardwaj-yf7ck
@AkshatBhardwaj-yf7ck 6 месяцев назад
As an cybersecurity engineer i approve of the change it was necessary
@pankajtiwari9031
@pankajtiwari9031 6 месяцев назад
😂ok
@ervivekchoubey
@ervivekchoubey 6 месяцев назад
Best way for the time being is to maintain a separate bank account like a payment bank account which has least charges and maximum deposit is only upto 2 lakh. Maintain it like a wallet separate from the main bank account and use its UPI VPA for transactions rather than using the main account everytime.
@ervivekchoubey
@ervivekchoubey 6 месяцев назад
Ans: c - Increase in per-capita real income.
@The007vaib
@The007vaib 6 месяцев назад
One card already has app based authentic apart from OTPs. It's really useful when network isn't available.
@SHAILESH_96
@SHAILESH_96 6 месяцев назад
Good information 💯😊
@Hindu_No_Caste
@Hindu_No_Caste 6 месяцев назад
Thank you for 200 million subscribers ❤❤
@jyotiswain1866
@jyotiswain1866 6 месяцев назад
Option c. Thank you sir
@aamak143
@aamak143 6 месяцев назад
- on and on and on same thing- be short and crisp
@KalyanKariniPandey
@KalyanKariniPandey 6 месяцев назад
Real per capita, thnks sir
@technicalmozz
@technicalmozz 6 месяцев назад
I think RBI forgot, the biometric payment i.e AEPS is more fraudulent then OTP.
@htbites2311
@htbites2311 6 месяцев назад
Good step
@mritunjaykumar2917
@mritunjaykumar2917 6 месяцев назад
C ) : increase in real per capita income : 🙏🙏🙏🙏🙏🙏✔✔✔✔✔✔
@peerirshad9733
@peerirshad9733 6 месяцев назад
I think he repeated same thing again and again in 9 min.video.😢
@Emotionaledits_official
@Emotionaledits_official 6 месяцев назад
Good 👍❤
@satyajitrajbanshi3620
@satyajitrajbanshi3620 6 месяцев назад
Yeh better hoga.. Jaise IT companies Mein use hote hai
@mithundbhapkar
@mithundbhapkar 6 месяцев назад
MFA with OTP option will be used. MFA used in IT industries from long time.
@rajeshdabral2459
@rajeshdabral2459 6 месяцев назад
Nice
@sunilkumardupakuntla8837
@sunilkumardupakuntla8837 6 месяцев назад
Increase in real per capita income is the right indicator of development.
@showmilshaik1246
@showmilshaik1246 6 месяцев назад
C) increase in real per capita income
@strongthunderlightening4978
@strongthunderlightening4978 6 месяцев назад
Using bio metric systems comes with huge burden of keeping it secure. Aadharr and other data are reported here and there for leakages. Who will own security of such precious personal data. And why so much of online. Are these people looking to make humans as machines, and machines to humans?
@user-bd1qw1ei8c
@user-bd1qw1ei8c 6 месяцев назад
I have one more idea.... Individual ka Mobile ka IMEI Number aur Mobile number bank main link hona chahiye. Jissay OTP usi IMEI Wale mobile aur register Mobile number pr hi aayega. Har ik Individual ka Mobile ka IMEI number Register hona chahiye. Aur uss IMEI number ka koi Dusra mobile nhi hona chahiye.
@heathens2867
@heathens2867 5 месяцев назад
IMEI numbers can easily be rigged. Maine apne phone ko root krke, khud ke phone ka IMEI number change krke Myntra aur Jabong ko loota tha that too in 2017 itself. Wo log IMEI number ko track krke offers dete the and ek IMEI number pe sirf ek baar 1000 off dete the on first purchase. Android is never safe. And this IMEI linking isn't safe either.
@nousername1587
@nousername1587 5 месяцев назад
😂😂​@@heathens2867
@ramsharma3772
@ramsharma3772 6 месяцев назад
जय श्रीराम
@jbjoyanta7465
@jbjoyanta7465 6 месяцев назад
Sir m abhi wohi soch Raha tha ।।। Aap bolne se pehle।।। Or aap bata diye ।। Aadhar authentication or fingerprint use in digital payment transaction....
@devbratdixit169
@devbratdixit169 6 месяцев назад
Sir, mere ye nahi samjh me aa raha ki bina thumb impression diye fraudster sim kaise issue Kara le rhe hai? Plz video bana k is topic ko samjhaiye.
@thakurakashbalvirsingh4773
@thakurakashbalvirsingh4773 6 месяцев назад
Excellent news RBI heads off aisa laao ki sab log soch bhi na paaye bharat ka Paisa kahi Jaa hi na sake..I can give idea into this also...
@piyushtiwari1032
@piyushtiwari1032 5 месяцев назад
Mei to agar apne gav se 5 rupay ka samosa leta hu tab bhi UPI se payment karta hu 😂😂😂😂😂😂
@Entity777
@Entity777 6 месяцев назад
O.T.P is the Best option alongside the device and phone as long as no duplicate sim is activated. If biometric are used then this will be the most affecting security . People should be careful in installing third party apps too.
@blackjackbanker2359
@blackjackbanker2359 6 месяцев назад
Majority of Indians biometric is already leaked online.... Biometrics r more inclined to decipher.
@may21136
@may21136 6 месяцев назад
In my opinion, the best route is authenticator app like google/ms authenticator.
@vinaykashyap1593
@vinaykashyap1593 6 месяцев назад
Jab hoga video dekh lenge..😊
@nitishbarnwal5343
@nitishbarnwal5343 6 месяцев назад
IDBI Bank app has an Alternative option known as Soft token.. You just get to generate it and it gets filled automatically as masked numbers.
@amolg5105
@amolg5105 5 месяцев назад
Its better to provide specific id to each app per name of customer, and that id is only autheticated which is approved....
@sadikali901
@sadikali901 6 месяцев назад
Please make short & crisp video
@shaileshlohani
@shaileshlohani 6 месяцев назад
TOTP prescribed by SEBI is safer
@hitlerkabaap9.065
@hitlerkabaap9.065 6 месяцев назад
Answer is real per capita income
@Navy677
@Navy677 5 месяцев назад
Ye advertisement ko har video mai repeat karna jaroori hai kya😅
@vinayaka369
@vinayaka369 6 месяцев назад
2 different OTP's to input in future. 1. To Mobile. 2. To e-mail.
@itsokay_356
@itsokay_356 5 месяцев назад
yeah..
@user-xv2tu7nh3s
@user-xv2tu7nh3s 6 месяцев назад
Real per capita income
@tallangdadda4160
@tallangdadda4160 6 месяцев назад
Fingerprint ATM .machine per transaction should be there the safest way.....
@abhijeetpaul4243
@abhijeetpaul4243 5 месяцев назад
Google/ Microsoft etc authentication or RSA based authentication best ❤
@tulsiputel6077
@tulsiputel6077 6 месяцев назад
Already applied double authentication in aeps
@tushararora7680
@tushararora7680 6 месяцев назад
Best safety measure is that is used in debut card verification
@RahulRalk
@RahulRalk 5 месяцев назад
C. Increasing in real per capita income.
@ashishofficial8660
@ashishofficial8660 5 месяцев назад
Option-c per capita income
@Xninja.c
@Xninja.c 6 месяцев назад
Biometric authentication is not secure because if we add multiple thumb impression in our device added thumb can make transaction. That's why it's not secure.
@vikashpal4875
@vikashpal4875 6 месяцев назад
Smartphone manufacturers should make fingerprint authentication such that we can decide to use a specific fingerprint for specific app or service.
@praveenkumarpujari7580
@praveenkumarpujari7580 6 месяцев назад
Pls explain in short and simple instead of stretching simple information
@gaurangsub
@gaurangsub 5 месяцев назад
Since last few months, I was wondering most banks do not use or have 2FA during netbanking login, during transactions you get an OTP but login is completely free. Example: if you have HDFC or ICICI netbanking credentials of some person, you are free to login.
@shivamkushwah9341
@shivamkushwah9341 6 месяцев назад
Zerodha me aap code and Google authentication ka option ata he
@Main_nhi_to_kaun
@Main_nhi_to_kaun 6 месяцев назад
When the alternative came, rbi had to say, I have already told him, I will hack the next level, what is the benefit for that?
@ArnabDasOnGoogle
@ArnabDasOnGoogle 5 месяцев назад
none of those are more better than otp. sim cloning is not so real. issuer can control that easily
@amarsharma7354
@amarsharma7354 6 месяцев назад
Vpn otp and biometric authentication is full proof security
@prudentfinance
@prudentfinance 6 месяцев назад
This can affect TANLA SHARE alot.
@b2k16mems3
@b2k16mems3 5 месяцев назад
Sir advance hacker ka link ya ashan hoj ayega access ka liy betha bina kuck kare app kuch script run kari hogya
@user-oy6ti4sh6x
@user-oy6ti4sh6x 5 месяцев назад
WOW 😮
@blackhole7365
@blackhole7365 6 месяцев назад
Kaam ki baat start after 7 min
@D.2601
@D.2601 6 месяцев назад
Many use senior citizen mobile which looks like a calculator. Many blind people use spl mobile how will these things work for them? Huge inconvenience for seniors
@AyyoGamer
@AyyoGamer 6 месяцев назад
इतना online फ्रॉड होता है कि एक दिन अपनी उंगली पर Pin मारके 2 खून की बूंदे फोन पर डालना पडेगा , फिर वहा सेंसर पर DNA authentic होके payment होगा 😢 😔
@vikashpal4875
@vikashpal4875 6 месяцев назад
Apne thumb be ek chip lag jaya karegi. Usi se direct lock unlock
@PP-rm2ee
@PP-rm2ee 6 месяцев назад
Use RSA
@erumeshkumar2082
@erumeshkumar2082 5 месяцев назад
duplicate sim ab nhi nikal sakta ...biometric jaruri hota h
@A.K.A.Topper
@A.K.A.Topper 6 месяцев назад
1 Mobile Number 1 Pin Code Like ATM Card
@arshadinamdar4034
@arshadinamdar4034 6 месяцев назад
😂🤔Sala ye to main bhi soch raha tha k OTP ka alternative hona chahiye 🤔😂
@chintusahu0403
@chintusahu0403 5 месяцев назад
Rbi governer banega re tu
@arshadinamdar4034
@arshadinamdar4034 5 месяцев назад
@@chintusahu0403 ok👍🏻lekin bus itna hi milega mujhe🤔
@alagappanannamalai-mv2nk
@alagappanannamalai-mv2nk 6 месяцев назад
What happened to Prasad dawan
@anjaligarg8511
@anjaligarg8511 6 месяцев назад
Make short videos please
@Sachin.23_
@Sachin.23_ 6 месяцев назад
Increase in real per capita income
@satyaswain3795
@satyaswain3795 6 месяцев назад
APP. Based approval, sweden mein kitne saalon se chal raha hai. uska naam Bank-id. Sweden mein kitne saalon se Swish aur Bank id chal raha hai abhi tak.
@abhimazing
@abhimazing 6 месяцев назад
Video starts at 6:23
@anil7170
@anil7170 6 месяцев назад
U could have made it short
@SanatanVedikJyotishGyanSangrah
@SanatanVedikJyotishGyanSangrah 5 месяцев назад
Sabko BHIM aap instal karna chahiye...and Banking ka OTP BHIM aap pr hi aana chahiye.
@lovevanshi1
@lovevanshi1 5 месяцев назад
2:30 ka to ads
@krishnakumarsaw9741
@krishnakumarsaw9741 5 месяцев назад
Option C
@Vickyno21
@Vickyno21 6 месяцев назад
M toh ₹1 ki center fresh bhi upi kr ke leta hu
@Pssi581
@Pssi581 6 месяцев назад
Rbi me Abhi btaya nhi
@Navy677
@Navy677 5 месяцев назад
Real per capita income is correct option
@user-lq3kh5jn1h
@user-lq3kh5jn1h 5 месяцев назад
mujhe to ye nahi samajh aata ki aise duplicate sim kaise mil jati hai hume to nahi milti aise jab sim me koi problem aa jaye.. adhar based biometric authentication hota hai koi bhi sim lo to
@nicksonpinto2074
@nicksonpinto2074 5 месяцев назад
Put MFA authentication.
@from-all-of-us
@from-all-of-us 6 месяцев назад
"PUTIN" ka interview ka analysis lao
@AbhishekKumar-go6bl
@AbhishekKumar-go6bl 5 месяцев назад
Finally heart ❤️
@Mystery.716
@Mystery.716 6 месяцев назад
Nhi hoga..kya pora rha hai..points hi nhi hai
@RohitSingh-tu8yv
@RohitSingh-tu8yv 6 месяцев назад
Biometric is not good, they will send link and after your biometric they can easily hack better is Authentication app like microsoft and google doing
@ranju6541
@ranju6541 6 месяцев назад
Opt--C
@user-cy3il8vq1b
@user-cy3il8vq1b 6 месяцев назад
🎉
@toofaanihighlights6338
@toofaanihighlights6338 6 месяцев назад
In jammu kashmir bank we have more secure app than upi system
@rohanmourya3479
@rohanmourya3479 6 месяцев назад
and what is that system?
@saurchouksey
@saurchouksey 6 месяцев назад
Alag se device de do na har kisi ko jisme OTP aye
@naveenkundu7426
@naveenkundu7426 6 месяцев назад
I used to watch only two minutes of every video of Ankit Agarwal, rest are repeating only
@user-zb3fj4jh4c
@user-zb3fj4jh4c 6 месяцев назад
ओटीपी की जगह फेस होना चाहिए
@user-mv1xh3rj5z
@user-mv1xh3rj5z 6 месяцев назад
Kya jarurat h in subki jab govt ko pata h muslims ko discriminate karne se vote miljayege to govt school infrastructure employment education hospital industry matlab nahi rakhta
@sumanbarman8758
@sumanbarman8758 6 месяцев назад
Main point to samajh nhi aya 😢
@iinsan2345
@iinsan2345 6 месяцев назад
C
@GDs_1
@GDs_1 6 месяцев назад
Digital currency..in process for beta customer
@abshar1765
@abshar1765 6 месяцев назад
250 words bhi toh likhne h agar questions aagya toh ye tumhara news channel nhi h
@DebasishKrBaidya
@DebasishKrBaidya 6 месяцев назад
*Q. Which among the following is considered to be the best measure of an increase in a country's economic efficiency?* Answer = Increase in real per capita income 8:43
@thefoundationoflaw
@thefoundationoflaw 6 месяцев назад
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Short ko long video bna rahe hai
@DEBU020304
@DEBU020304 6 месяцев назад
Free ka to pani bhi nehi milta
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