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UPSC Essentials | Mains answer practice — GS 3 (Week 43)Subscriber Only

UPSC Essentials | Mains answer practice — GS 3 (Week 43)Subscriber Only

UPSC Essentials | Mains answer practice — GS 3 (Week 43)Subscriber Only

UPSC Essentials brings to you its initiative for the practice of Mains answer writing. It covers essential topics of static and dynamic parts of the UPSC Civil Services syllabus covered under various GS papers. This answer-writing practice is designed to help you as a value addition to your UPSC CSE Mains. Attempt today’s answer writing on questions related to topics of GS-3 to check your progress.

What is Multiple Independently Targetable Re-entry Vehicle (MIRV) technology? What makes MIRV technology lethal?

What is digital lending? How digital lending is accelerating the transformation of financial services in India?

Introduction

— The introduction of the answer is essential and should be restricted to 3-5 lines. Remember, a one-liner is not a standard introduction.

— It may consist of basic information by giving some definitions from the trusted source and authentic facts.

Body

— It is the central part of the answer and one should understand the demand of the question to provide rich content.

— The answer must be preferably written as a mix of points and short paragraphs rather than using long paragraphs or just points.

— Using facts from authentic government sources makes your answer more comprehensive. Analysis is important based on the demand of the question, but do not over analyse.

— Underlining keywords gives you an edge over other candidates and enhances presentation of the answer.

— Using flowcharts/tree-diagram in the answers saves much time and boosts your score. However, it should be used logically and only where it is required.

Way forward/ conclusion

— The ending of the answer should be on a positive note and it should have a forward-looking approach. However, if you feel that an important problem must be highlighted, you may add it in your conclusion. Try not to repeat any point from body or introduction.

— You may use the findings of reports or surveys conducted at national and international levels, quotes etc. in your answers.

Self Evaluation

— It is the most important part of our Mains answer writing practice. UPSC Essentials will provide some guiding points or ideas as a thought process that will help you to evaluate your answers.

QUESTION 1: What is Multiple Independently Targetable Re-entry Vehicle (MIRV) technology? What makes MIRV technology lethal?

Introduction:

— The MIRV (Multiple Independently Targetable Re-entry Vehicle) can target multiple targets that can be hundreds of kilometers apart with a single missile.

— The latest version of Agni-5 of the missile is equipped with what is known as MIRV technology.

— As of now, the United States, Russia, China, France and the United Kingdom are known to have MIRV-equipped missiles.

Body:

You may incorporate some of the following points in the body of your answer:

What makes MIRV technology specially lethal?

— According to the Center for Arms Control and Non-proliferation, In contrast to a traditional missile, which carries one warhead, MIRVs can carry multiple warheads.

— Warheads on MIRVed missiles can be released from the missile at different speeds and in different directions.

— The development of MIRV technology is not easy. The Centre for Arms Control and Non-proliferation stated that it necessitates the use of huge missiles, compact warheads, precise guidance, and a sophisticated mechanism for progressively releasing warheads during flight.

Conclusion:

— The ability to carry multiple warheads on a single missile, called MIRV or Multiple Independently Targetable Re-entry Vehicle, is a technology that originated five decades ago, but is in possession of only a handful of countries — the United States, Russia, China, United Kingdom and France.

— India successfully tested a new-age Agni-5 ballistic missile equipped to carry multiple warheads, each of which is capable of hitting a separate target.

— The test marks a long-awaited upgrade of India’s missile system and significantly enhances its strike capability, including the nuclear option.

(Source: PM Modi announces Mission Divyastra success: What is the Agni-5 missile with MIRV technology by Amitabh Sinha, Mission Divyastra: PM Modi hails first test of Agni-5 with multiple warhead technology by Amrita Nayak Dutta and Amitabh Sinha)

Points to Ponder

DRDO

Other Missiles of DRDO

Agni-5

Related Previous Year Questions

How is S-400 air defence system technically superior to any other system presently available in the world? (2021)

Discuss India’s achievements in the field of Space Science and Technology. How the application of this technology has helped India in its socio-economic development? (2016)

QUESTION 2: What is digital lending? How digital lending is accelerating the transformation of financial services in India?

Introduction:

— Digital lending is a complex terrain in which non-traditional financial service companies are constantly using technological advancements to outperform their traditional rivals.

— These lenders skillfully combine digitally native solutions with simplicity, speed, and 360-degree customer service to optimise loan processes and create a truly end-to-end experience.

Body:

You may incorporate some of the following points in the body of your answer:

How digital lending is accelerating the transformation of financial services in India?

Hyper-personalized Communication

— Tech-driven digital lenders use massive data repositories to analyse consumer behaviour and continuously scale their hyper-personalization initiatives. In order to discover the most probable groups to choose their services, businesses are also segmenting their client base into well-defined subsets based on a variety of factors, including demographics, location, net spend, interaction history, and satisfaction.

Enhanced Customer Engagement

— Acquiring consumer loyalty goes a long way towards assuring a company’s long-term growth. That is why lenders are increasingly seeing their customers as unique individuals rather than as numbers. The more the lender interacts with its target audience, the more knowledge it gains to improve its services, products, and direct communication, forming ties based on trust and mutual benefit.

Proactive Automation w.r.t Credit Decisions

— Lending is traditionally a very labor-intensive, paper-based process. But by deliberately integrating fundamental yet powerful technologies like OCR (Optical Character Recognition), RBA (Robotic Process Automation), ML (Machine Learning), and ADR (Automated Document Recognition), among many others, into their operations, digital lenders have brought life back to the lending scene.

Emphasis on Cybersecurity and Fraud Detection

— Machine Learning (ML) techniques enable financial organisations to identify previously unknown patterns that would have been hard to follow using traditional fraud detection approaches. These patterns are maintained in real time within the system to detect future fraudulent activity, effectively acting as a self-improving security mechanism.

Effective SaaS (Software-as-a-service) Delivery Models

— A SaaS (Software-as-a-Service) delivery approach provides robust automation across all key lending sectors and can be put up in a matter of days, even for more complicated offerings such as mortgages. The SaaS approach provides a scalable solution that can easily handle a wide variety of borrowings while drastically lowering system costs and freeing up valuable resources for high-risk/high-value consumer engagements.

(Source: Digital Lending and accelerated transformation of Financial Services in India)

Points to Ponder

SaaS (Software-as-a-service)

Cybersecurity and Fraud Detection

Related Previous Year Questions

What is the status of digitalization in the Indian economy? Examine the problems faced in this regard and suggest improvements. (2023)

Is inclusive growth possible under market economy? State the significance of financial inclusion in achieving economic growth in India. (2022)

UPSC Essentials: Mains answer practice — GS 1 (Week 41)

UPSC Essentials: Mains answer practice — GS 1 (Week 42)

UPSC Essentials: Mains answer practice — GS 2 (Week 41)

UPSC Essentials: Mains answer practice — GS 2 (Week 42)

UPSC Essentials: Mains answer practice — GS 3 (Week 41)

UPSC Essentials: Mains answer practice — GS 3 (Week 42)

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