21. Which of the following is not a feature of a mobile wallet payment system?
a) NFC (Near Field Communication) capability
b) P2P (Person-to-Person) transfer
c) Loyalty program integration
d) PIN-based authentication
22. Which of the following is not a characteristic of a secure online payment system?
a) Encryption of transaction data
b) Two-factor authentication
c) Card swiping at checkout
d) Fraud detection mechanisms
23. Which of the following is not a service provided by the Society for Worldwide Interbank Financial Telecommunication (SWIFT)?
a) International money transfers
b) Secure messaging between banks
c) Settlement of securities transactions
d) Management of mobile banking applications
24. Which of the following is an example of a real-time payment system?
a) Credit card payment
b) Mobile payment
c) Cheque payment
d) Direct debit
25. What is the purpose of a Card Verification Method (CVM) in payment card systems?
a) To prevent fraud
b) To authorize the transaction
c) To provide additional security
d) All of the above
