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  • Directions for individual questions:
    In the following passage, there are blanks, each of which has been numbered. These numbers are printed below and against each, some words are suggested as options. Identify the one that fits each blank appropriately

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, 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 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.

Test Name: Cloze Test-5

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Your answers are highlighted below.
Question 1
Identify the word that fits blank 1.
A
Disburse
B
Undertake
C
Subscribe
D
Lure
E
Amass
Question 1 Explanation:
The information regarding the financial transaction needs to go out i.e. needs to disburse. The correct option is option (a).
Question 2
Identify the word that fits blank 2.
A
Full
B
Voluminous
C
Substantial
D
Limited
E
Rapid
Question 2 Explanation:
There is an inverse relationship that the author wants to convey. We get to know this from the words ‘..even in developed countries..’. so the only choice which conveys the meaning without diluting is Limited.
Question 3
Identify the word that fits blank 3.
A
Readily
B
Tangible
C
Routinely
D
Securely
E
Unique
Question 3 Explanation:
On the basis of grammar we can reject the first four options; i.e. they do not go along with the sentence.
Question 4
Identify the word that fits blank 4.
A
Process
B
Waves
C
Deliveries
D
Connection
E
Channels
Question 4 Explanation:
There has to be a plural fill to the blank. On the basis of that we can reject Process and Connection. The most apt of the remaining is channels because waves and deliveries do not match in terms of usage with the sentence.
Question 5
Identify the word that fits blank 5.
A
Valuable
B
Answerable
C
Amenable
D
Exposed
E
Responsible
Question 5 Explanation:
The correct answer is this case is amenable, which means willing or conformable here.
Question 6
Identify the word that fits blank 6.
A
waning
B
Stable
C
Proportionate
D
Marginal
E
High
Question 6 Explanation:
Some service which the poor had not a reach for? Out of normal sense, that would be something expensive or costly. We are given a word that emotes the same meaning i.e. option (e) high.
Question 7
Identify the word that fits blank 7.
A
Archive
B
Domain
C
Purpose
D
Component
E
Aspect
Question 7 Explanation:
Knowing the exact meaning and the precise usage of each word in the choices will lead us to the right option which is domain, option (b).
Question 8
Identify the word that fits blank 8.
A
Law abiding
B
Tried
C
Reassuring
D
Cost effective
E
Stopgap
Question 8 Explanation:
“Unbanked” people that the author is talking is the economically weaker section of the society. As soon as we find out this, we are bound to choose option (d) Cost effective which is the correct option.
Question 9
Identify the word that fits blank 9.
A
Inclined
B
Immune
C
Vulnerable
D
Surrendered
E
Pressured
Question 9 Explanation:
A very basic English usage phrase is being talked about here. The answer is quite evident- vulnerable.
Question 10
Identify the word that fits blank 10.
A
Person
B
Own
C
Relatives
D
Purses
E
Self
Question 10 Explanation:
The only correct option is option (b) Own. The other options can be eliminated by putting each option in the blank and understanding the meaning coming out of it. None of the words but own make sense.
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