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At least one authentication method must be dynamic or:

ANon-returnable
BNon-renewable
CNon-replicable
DNon-refundable
Answer & Solution
Correct answer: C. Non-replicable
1. A static secret can be copied and reused. 2. One factor must resist that. 3. It must be dynamic or non-replicable. _Source: Reserve Bank of India (Commercial Banks - Digital Payment Security Controls) Directions, 2026_
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