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1. The Reserve Bank of India in May 2015 issued notification on the Modalities for implementation  of which scheme? (1) Jan Dhan Yojana (2) Atal PensionYojana (3) Jeevan BimaYojana (4) Sukanya Samridhi Yojana (5) All of these RBI issues notification on the Modalities for implementation of Atal Pension Yojana: The RBI, on 21 May 2015, issued notification on the Modalities for implementation of Atal Pension Yojana (APY). The scheme will be implemented by member banks in accordance with the preliminary rules and terms finalised by the Government. Atal Pension Yojana • Ministry of Finance announced the launch of Atal Pension Yojana (APY) on May 9, 2015. The  scheme is an universal social security measure specially for the poor and the under-privileged, which  will provide a defined pension, depending on the contribution, and its period to its subscribers. • The enrolment under the scheme was introduced from June 1, 2015. The APY will be focused on all  citizens in the

1. Which bank in May 2015 launches voice password facility for its customers? (1) HDFC Bank (2) Kotak Mahindra Bank (3) ICICI Bank (4) ING Vysya Bank (5) Bank of Baroda ICICI Bank, India’s largest private sector bank, on 25 May 2015 launched Voice Recognition Service (VRS), which authenticates customers based on their speech patterns. This service will allow customers to execute banking transactions through Bank’s call center in a quick, secure and convenient manner. With this, ICICI became the first bank in India to offer this service. It will be available to over 33 million customers of its savings account and credit card. ICICI’s VRS • Now customers will no longer have to enter their card numbers, PIN and answer security questions to  authenticate themselves, as their voice will act as the password for banking transactions through the  call centre. • The voice recognition technology works on voice prints, which are unique to an individual. It  comprises more than