Cloze Test - 1

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.

Directions: In the following passages there are some blanks, each of which has been numbered. These numbers are also printed below the passages and against each five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to ...(1)... financial transactions 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 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.