1. The full form of OTP is One one-time password.

2. OTP is used as one of the additional security features for secure online transactions.

3. The OTP feature prevents certain types of identity theft by ensuring that a captured username/password pair cannot be used a second time.

4. The user's login name usually remains the same, and the one-time password changes with each login.

5. One-Time Password (aka One-Time Passcode) is a form of strong authentication, providing better security to eBanking, corporate networks, and other sensitive data systems.

1. Junk email is called spam. Spam is an email that you did not request, and which usually promotes advertising or other unwanted content.

2. Spoofing is a special type of cyber-attack in which someone attempts to deceive other computer networks by using a computer, device, or network to identify themselves as a legitimate entity.

Designed and launched by the National Payments Corporation of India (NPCI).

1. UPI (Unified Payments Interface): UPI is a mobile-based payment system that allows users to transfer money from their bank accounts to any other bank account instantly and securely.

2. RuPay: RuPay is India's own payment card. It has been developed by the National Payments Corporation of India.

3. Bharat QR: Bharat QR is a standard QR code that can be used to make payments in India. It has been developed by the National Payments Corporation of India.

4. Bharat Bill Payment System (BBPS): BBPS is a bill payment system that allows users to pay electricity, water, gas and other bills from their mobile. It has been developed by the National Payments Corporation of India.