英语外刊精读与练习：无现金社会
备战2020年高考英语无现金社会外刊精读与试题(教案)(3页)
备战2020年高考英语无现金社会外刊精读与试题(教案)A cashless society无现金社会语篇导读：用现金支付咖啡或买报纸的时代是否已经一去不复返了？如今电子支付已经非常普及，我们可以通过手机，无接触银行卡，甚至手指尖付款。
本文讨论电子支付方式的优势和劣势。
Step 1 Vocabulary 词汇表fumbling 掏来掏去 small change 零钱 banknotes 纸币 credit 信用 debit cards 现金账户卡 transactions 交易 wads 一扎一扎 hard currency 现金 contactless payments 无接触支付 tap -and -go 点击付款antenna 天线plastic (informal) （俗语）信用卡fraud 诈骗purchases 购物spending spree 疯狂采购chip and PIN 密码tills 收款柜台wearable tech 可穿戴科技fingo -pay 指纹支付Step 2 Reading and understandingThere is nothing worse than fumbling around in your pocket trying to find some small change to pay for a newspaper or a coffee. So it's good to know that new technology is making cash - banknotes and coins - a thing of the past, turning us into a cashless society.Today, many of us already use credit and debit cards for financial transactions so there's no need to carry around huge wads of hard currency. And now it's possible to make contactless payments using tap -and -go cards which are regular bankcards but with a built -in chip and antenna. The card reader sends out a radio frequency and, when you bring the card close to the reader, the antenna picks up the signal to make the payment.Paying this way or spending on 'plastic' - an informal name for a credit card -can put you atrisk of fraud. Criminals try to steal cards, or the information on them, to make purchases online or in shops. However, contactless payment is capped -in the UK the limit is £30. And, if someone does go on a spending spree with your card, your bank covers you against the loss - something that wouldn't happen if your banknotes were stolen. Also, the introduction of chip and PIN technology has led to a drop in fraud and has even been helping businesses by cutting the time people spend at tills in shops.But, if getting your bankcard out seems like too much trouble, there's now a solution using wearable tech -that's clothing and accessories that include computer and electronic technologies. Kenneth Cukier, economist and technology expert, says "this is intended for people who are incredibly lazy who don't want to take their card out of their wallet, or use their phone, or use their watch. People are going to be making more purchases more of the time - particularly for small-valued goods."And, although our mobile phones are another way of making payments, BBC reporter Kate Russell says that when this is inconvenient you can use the fingo-pay system which "reads the unique maps of veins under the surface of your finger." The trick is remembering which finger you registered with - that's when good old-fashioned cash might save the day! What do you prefer to use when you buy something?Step 3 测验与练习Task 1阅读课文并回答问题。
无现金社会英语作文
无现金社会英语作文English Answer:As technology continues to advance at an unprecedented pace, the world is rapidly moving towards becoming a cashless society. The use of physical cash is declining as people increasingly embrace digital payment methods such as credit cards, debit cards, and mobile wallets. This shift has significant implications for both individuals and society as a whole.One of the primary benefits of a cashless society is convenience. Digital payments are faster, easier, and more secure than traditional cash transactions. With a tap of a card or a scan of a smartphone, consumers can complete transactions in a matter of seconds. This saves time and effort, particularly in busy environments such as supermarkets or public transportation. Additionally, cashless payments eliminate the risk of carrying large amounts of cash, reducing the likelihood of theft or loss.Furthermore, a cashless society can promote financial inclusion. By providing alternative payment methods,digital payments make it possible for individuals who maynot have access to traditional banking services to participate in the financial system. Mobile wallets, for example, can be accessed by anyone with a smartphone, regardless of their credit history or socioeconomic status. This increased financial inclusion can lead to greater economic equality and stability.However, there are also some potential drawbacks to a cashless society. One concern is the potential for privacy breaches. When individuals make digital payments, they provide personal information that can be collected and used by companies and governments. This raises concerns about data security and the potential for identity theft. Governments and financial institutions must implementrobust measures to protect consumer data and prevent misuse.Another challenge is the digital divide. While digital payment methods are becoming increasingly widespread, thereare still some individuals who do not have access to the necessary technology. This can create a barrier tofinancial inclusion and limit the benefits of a cashless society. Governments and organizations need to address the digital divide by providing affordable internet access and financial literacy programs.Overall, the transition to a cashless society offers numerous advantages, including convenience, financial inclusion, and efficiency. However, it also presents challenges related to privacy and digital inequality. By carefully considering these factors and implementing appropriate measures, governments and financialinstitutions can harness the benefits of a cashless society while mitigating the potential risks.中文回答：随着技术以前所未有的速度不断发展，世界正在快速走向无现金社会。
无现金社会英文作文
无现金社会英文作文Living in a cashless society has its pros and cons. On the one hand, it's convenient to not have to carry around physical money. You can make purchases with just a tap or a swipe, and you don't have to worry about losing your wallet or having it stolen.But on the other hand, there are concerns about privacy and security. When all of your transactions are digital, there's a risk of your information being hacked or stolen. And if there's a technical glitch or outage, you could be left unable to make any purchases at all.One thing that's for sure is that a cashless society would have a big impact on businesses. Small businessesthat rely on cash transactions might struggle to adapt, while larger corporations could benefit from the increased data and insights that come from digital transactions.In terms of everyday life, going cashless could alsochange the way we think about money. When you're not physically handing over bills and coins, it's easier to lose track of how much you're spending. This could lead to more impulse purchases and potentially more debt for some people.Overall, the shift to a cashless society is a complex issue with both positive and negative implications. It's important to consider the potential consequences and work towards solutions that address the concerns while still embracing the benefits of a digital economy.。
cashlesssociety英语作文
无现金社会英语作文1A cashless society refers to a social pattern where people mainly use electronic payment methods instead of cash for transactions. In this modern era, we are gradually moving towards such a society.There are numerous advantages in a cashless society. Firstly, it brings great convenience. People don't need to carry cash around and worry about getting change. For example, when we go shopping in a supermarket, we can just use our mobile phones or bank cards to pay. All we need to do is scan the QR code or insert the card into the machine. It takes only a few seconds. Secondly, it is much safer. The risk of cash being stolen or robbed is greatly reduced. In addition, when taking public transportation, electronic payment is also very common. People can use their smart cards or mobile payment apps to pay for the fares easily. In conclusion, the development of a cashless society is an irresistible trend, which is bringing more and more convenience and security to our daily lives.2In recent years, the concept of a cashless society has been emerging and gradually becoming a reality. There are several reasons contributing to the formation of a cashless society.First and foremost, the development of technology has made mobile payment technology mature. The wide spread of smartphones has provided a convenient platform for mobile payment. Almost everyone has a smartphone nowadays, which enables people to make payments anytime and anywhere. Moreover, the development of security encryption technology has also ensured the safety of mobilepayments. People no longer worry about the leakage of their financial information when using mobile payment methods.The cashless society also has a profound impact on the financial system. It significantly reduces the cost of cash circulation. Printing, transporting and storing cash all require a great deal of resources. In a cashless society, these costs can be largely saved. Meanwhile, it improves the efficiency of financial transactions. For example, banks are actively promoting electronic payment services. They encourage customers to use online banking, mobile payment and other cashless payment methods. Through these means, the processing time of transactions is greatly shortened, and the overall operation efficiency of the financial system is enhanced.In conclusion, the formation of a cashless society is the result of the combined action of technology development and the needs of the financial system, which is bringing great changes to our daily life and the entire economic field.3In modern society, the concept of a cash - less society has become increasingly popular. However, it also brings some problems.One of the main issues is the inconvenience it causes to certain groups of people. For example, the elderly often have difficulty adapting to this new payment method. They may be used to traditional cash transactions and are not familiar with electronic payment operations. In a shopping scenario, an old man may stand at the cashier, feeling confused and helpless when faced with only electronic payment options. He may not know how to use mobile payment apps like Alipay or WeChat Pay, which could lead to a very embarrassing situation.Another significant problem is network security threats. In a cash - less society, electronic payments are vulnerable to hacker attacks. Hackers may try to steal people's payment information, such as bank card numbers and passwords. Once theysucceed, people's property safety will be seriously threatened. So, while a cash - less society has its advantages, we should also be aware of these potential problems.4In recent years, the concept of a cashless society has been gradually becoming a reality. From the perspective of consumer experience, it has brought about tremendous changes.The most obvious change is the convenience it offers. With cashless payment methods such as mobile wallets and credit cards, consumers no longer need to carry a large amount of cash. When shopping online, it has become extremely easy to complete a purchase with just a few clicks. This convenience has led to a significant change in people's consumption habits. People are more likely to make impulse purchases because the payment process is so effortless. For example, when seeing an interesting product on an e - commerce platform, they can quickly pay and get it without the trouble of counting cash or writing checks.Moreover, when traveling abroad, the experience of using electronic payment is quite novel. In some foreign countries where electronic payment is also popular, tourists can use their mobile payment apps just like at home. They can easily pay for local food, souvenirs, and transportation. It not only saves time but also gives people a sense of security as they don't need to worry about losing cash or being short -changed. In a word, the cashless society has deeply influenced consumers' shopping and payment behaviors.5In recent years, the concept of a cash - less society has been gaining increasing popularity. With the development of emerging payment technologies, the trend towards a cash - less society is becoming more and more obvious.One of the most significant driving forces behind the cash - less society is the emergence of biometric payment. Biometric payment, such as fingerprint payment and facial recognition payment, offers a more convenient and secure way for people to make payments. Instead of using cash or cards, people can simply use their unique biological features to complete transactions.Many technology companies have also been actively exploring and innovating in the field of payment. For example, Apple introduced Apple Pay, which allows users to make payments with their iPhones. This innovation has not only changed the way people pay, but also promoted the development of the cash - less society. Another example is Alipay in China. Alipay has been constantly expanding its business scope and has become an important part of people's daily payment.However, the development of a cash - less society also faces some challenges. For example, there may be security risks associated with emerging payment technologies. In addition, not everyone is willing or able to adapt to the new payment methods.In conclusion, the development of a cash - less society is an irresistible trend. Although there are some challenges, with the continuous innovation of technology and the improvement of people's acceptance, the cash - less society will eventually become a reality.。
The cashless economy无现金经济 (39)
The cashless economy无现金经济文章选自《经济学人》一：高级实词荟萃fashionable ____________ purchase ____________conduct____________ individual____________effect____________ ` widespread____________accelerate____________ enable____________transfer____________ account.____________residents____________ indicate____________historically____________ invest____________stubbornly____________ estimate____________digital____________ burden____________technophobia____________ Cashless ____________queue ____________ hefty ____________transaction ____________ Share ____________chair ____________ install ____________infrastructure____________ consultancy ____________low-cost____________ banknote ____________on-board ____________ snub ____________monopoly ____________ discourage ____________二：高级词汇拓展fashionable n时尚____________ individual个人地____________widespread 普遍地____________ accelerate加快n ____________indicate暗示n ____________ historically 历史上的____________ invest投资n ____________ stubbornly固执的adj ____________ estimate估计n ____________ Cashless 现金n ____________install 安装n ____________ discourage n 勇气____________三：高级短语荟萃1. a cashless pay system无现金支付系统2.street-food market 小吃集市3.stand idle：系动词，表示“处于某种状况/情形”,4.stand empty / idle 空着/闲置着5. a mobile-payment service移动支付服务6.financial inclusion /ɪnˈkluːʒn/金融包容rmal economies非正规经济8.beyond this broad pattern超越了这个大格局9.make a difference与众不同10.ban on-board cash payments禁止船上现金支付fortable using new technology舒适使用新技术12.in contrast相反13.sleepy credit-card monopoly沉睡的信用卡垄断14.stamp out completely完全消灭15.overall cost总成本16.queue for quite a while.排一会儿队17. a long queue of angry motorists.愤怒的司机排成了长龙。
无现金社会英语作文
无现金社会英语作文English:In a cashless society, all transactions are conducted electronically without the need for physical currency. This means that everything from purchasing groceries to paying bills is done through digital means such as credit cards, mobile payment apps, and online banking systems. The convenience of cashless transactions is undeniable, as it eliminates the hassle of carrying and counting cash, reduces the risk of theft, and enables quick and secure payments. Additionally, going cashless can also help in combating issues like money laundering and tax evasion, as every transaction leaves a digital trail that can be easily monitored and tracked. However, there are also concerns about privacy and security in a cashless society, as the electronic data generated from every transaction can potentially be vulnerable to hacking or surveillance by third parties. Overall, while the transition to a cashless society offers numerous benefits in terms of efficiency and transparency, it is important to address and mitigate these risks to ensure a seamless and trusted electronic payment system for all.中文翻译:在无现金社会中，所有交易都是通过电子方式进行，无需使用实体货币。
英语作文-无现金社会下非金融机构支付服务的发展新动向
英语作文-无现金社会下非金融机构支付服务的发展新动向In a cashless society, the landscape of non-financial institution payment services is undergoing significant evolution. With the advent of digitalization and technological advancements, various new trends are emerging, reshaping the way people transact without physical cash.Firstly, mobile payment solutions are gaining immense popularity. Services like Apple Pay, Google Pay, and various other mobile wallet applications have revolutionized the payment experience. These platforms allow users to link their bank accounts, credit cards, or even cryptocurrencies to their mobile devices, enabling seamless transactions through a simple tap or scan. The convenience and efficiency offered by mobile payments are driving widespread adoption across different demographics, from millennials to senior citizens.Moreover, peer-to-peer (P2P) payment platforms are witnessing a surge in usage. Apps such as Venmo, PayPal, and Cash App facilitate the transfer of funds between individuals without the need for cash or checks. Whether it's splitting bills with friends, reimbursing family members, or paying for goods and services, P2P payment platforms offer a convenient and instant solution. Additionally, the integration of social features, such as emojis and comments, adds a layer of engagement and personalization to the payment process.Another noteworthy trend is the rise of contactless payment methods. Contactless cards, also known as tap-and-go cards, utilize near-field communication (NFC) technology to enable secure and swift transactions with a simple wave or tap of the card. This method eliminates the need to insert or swipe cards, reducing transaction times and enhancing customer convenience. Furthermore, the COVID-19 pandemic has accelerated the adoption of contactless payments as consumers prioritize hygiene and safety.Furthermore, the emergence of digital currencies, including cryptocurrencies like Bitcoin and Ethereum, is reshaping the payment landscape. While still in the early stages of adoption, digital currencies offer decentralized and borderless transactions, challenging traditional payment systems. Blockchain technology, the underlying framework of cryptocurrencies, ensures transparency, security, and immutability in transactions, promising greater trust and efficiency in the financial ecosystem.Additionally, the Internet of Things (IoT) is playing a significant role in advancing payment services. With IoT devices becoming increasingly interconnected, the concept of "smart payments" is gaining traction. Smart appliances, wearable devices, and even vehicles equipped with IoT technology can autonomously initiate payments for consumables, services, and tolls, creating a seamless and frictionless payment experience for consumers.In conclusion, the evolution of non-financial institution payment services in a cashless society is characterized by the proliferation of mobile payments, the popularity of P2P platforms, the adoption of contactless methods, the emergence of digital currencies, and the integration of IoT technology. As technology continues to advance and consumer preferences evolve, the payment landscape will continue to witness innovation and transformation, shaping the future of commerce and finance.。
2021考研英语双语阅读材料：零花钱也要移动化
2021考研英语双语阅读材料：零花钱也要移动化时间一天天的过去，可以备考的时间越来越少，为了做好备考，下面由小编为你精心准备了“2021考研英语双语阅读材料：零花钱也要移动化”，持续关注本站将可以持续获取更多的考试资讯！2021考研英语双语阅读材料：零花钱也要移动化Children may not be stashing coins in piggy banks for much longer；with the move towards acashless society，pocket money is moving digital.孩子们今后可能不会再把零花钱存在存钱罐里了。
随着无现金社会的发展，零花钱也在数字化。
To reflect this trend， a flurry of mobile budgeting apps for children has sprung up worldwide： GoHenry， Osper and Gimi to name a few.为了紧跟潮流，全球出现了多个儿童移动理财应用程序，比如GoHenry、Osper和Gimi等等。
These apps offer a simple money management service for children，often for a monthlysubscription fee paid by the parents. Parents can add money to children＇s accounts，set limitsand monitor transactions，while children can choose to save their money or spend it using aprepaid card that works like a debit card. The apps suggest minimum ages ranging from six tonine for the prepaid card.这些应用程序为孩子们提供简单的理财服务，通常由父母每月支付费用。
无现金社会的英语范文
无现金社会的英语范文英文回答：A cashless society is a society in which all financial transactions are conducted electronically, without the use of physical currency. This means that all purchases, payments, and transfers of funds would be made usingdigital means, such as debit cards, credit cards, mobile payments, or online banking.There are a number of potential benefits to a cashless society. First, it could reduce crime, as there would be less opportunity for theft or counterfeiting of physical currency. Second, it could make transactions more convenient and efficient, as people would no longer need to carry cash or wait in line at banks. Third, it could promote financial inclusion, as it would make it easier for people who do not have access to traditional banking services to participate in the economy.However, there are also some potential drawbacks to a cashless society. First, it could lead to a loss of privacy, as all financial transactions would be tracked electronically. Second, it could make it more difficult for people who do not have access to technology or the internet to participate in the economy. Third, it could create a dependency on technology, which could be vulnerable to disruptions or failures.Overall, whether or not a cashless society is a good thing is a complex question with no easy answer. There are both potential benefits and drawbacks to consider, and itis important to weigh these carefully before making a decision.中文回答：无现金社会是一个所有金融交易都通过电子方式进行、不使用实物货币的社会。
无现金社会英语作文
无现金社会英语作文{z}Title: Cashless SocietyIn recent years, the world has witnessed a significant shift towards a cashless society.The advent of technology and the increasing popularity of digital payment methods have transformed the way we conduct transactions.This essay will explore the advantages and disadvantages of living in a cashless society.Advantages:Firstly, a cashless society offers greater convenience.With digital payment methods such as smartphones and online banking, individuals can make transactions anytime and anywhere.This eliminates the need to carry around physical cash, which can be cumbersome and risky.Secondly, a cashless society promotes transparency and accountability.Digital transactions leave a digital footprint, making it easier for governments and financial institutions to track and monitor economic activities.This can help in reducing instances of tax evasion and corruption.Thirdly, a cashless society can contribute to a more sustainable environment.The production and handling of physical cash require significant resources, including trees, water, and energy.By reducing our reliance on cash, we can minimize the environmental impact associated with currency production and circulation.Disadvantages:Despite the advantages, a cashless society also has its drawbacks.One major concern is the vulnerability of digital payment systems to cyber threats.Hackers and cybercriminals may attempt to steal sensitive financial information, leading to potential fraud and financial loss.Another concern is the digital divide.Not everyone has access to the necessary technology or the internet to participate in a cashless society.This can create disparities in financial inclusion, particularly among low-income individuals and those living in rural or remote areas.Furthermore, a cashless society may reduce the anonymity of transactions.With digital payments, companies and governments can collect data on individuals" spending habits, raising concerns about privacy and data protection.Conclusion:In conclusion, a cashless society offers numerous benefits, including convenience, transparency, and environmental sustainability.However, it also presents challenges related to cybersecurity, financial inclusion, and privacy.As we continue to embrace digital payment methods, it is crucial to address these concerns and ensure that the transition to a cashless society is inclusive and secure for all.。
无现金社会的优缺点英语作文
无现金社会的优缺点英语作文Cashless Society: Advantages and Disadvantages.The transition towards a cashless society has been gaining momentum in recent years. While it offers numerous advantages, it also poses certain challenges.Advantages:Convenience: Electronic payments are highly convenient, allowing seamless transactions from anywhere, anytime. The use of contactless cards, mobile wallets, and other digital payment methods eliminates the need to carry cash and makes shopping and bill payments effortless.Security: Cashless transactions are inherently more secure than cash transactions. Digital payments utilize encryption and other security measures to protect sensitive financial information, reducing the risk of theft or fraud.Efficiency: Electronic payments are much faster and more efficient than cash transactions. They eliminate the need for counting, verifying, and handling physical currency, saving time and reducing operational costs for businesses.Financial Inclusion: A cashless society can promote financial inclusion by extending access to financial services to individuals who may have difficulty accessing traditional banking systems. Digital payment platforms can provide financial services such as mobile banking, micro-lending, and insurance to underserved populations.Transparency: Electronic payments create a digital record of transactions, providing greater transparency and accountability. This can help prevent corruption, money laundering, and other financial crimes.Disadvantages:Dependence on Technology: A cashless society heavily relies on technology, which can be a concern in areas withlimited access to reliable internet or electricity. Individuals who lack access to digital payment platforms or are not comfortable with technology may face challenges in participating in the economy.Privacy Concerns: Digital payment platforms collect and store personal data, which can raise privacy concerns. The misuse or breach of this data can lead to identity theft, financial losses, or other privacy violations.Cost: Cashless transactions may incur fees, which can be a burden for individuals or businesses. These fees can add up over time and may discourage the adoption of cashless payments.Exclusion of the Unbanked: A cashless society can further marginalize individuals who are unbanked or underbanked. These individuals may lack access to digital payment platforms or have difficulty meeting the requirements to open bank accounts.Loss of Physical Currency's Benefits: Physicalcurrency offers certain advantages, such as anonymity in transactions and the ability to store value outside of the banking system. Eliminating cash can deprive individuals of these benefits and potentially undermine their financial autonomy.中文回答：无现金社会的优点和缺点。
英语作文 cashless society 无现金社会
Coins and paper money will soon be replaced by credit and bank cards. Eventually, we will have a cashless society which will be safer and more convenient for everyone.To what extent do you agree or disagree?You should use your own ideas, knowledge and experience and support your arguments with examples and relevant evidence. Write at least 250 words.Sample Answer 1:With the technological advancements in the banking system, nowadays people are presented with numerous ways of paying forpurchases. It is often said that electronically operated banking cards will displace the use of paper money and coins. However, I don’t believe that modern payment methods will take over completely from traditional banknotes and coins. There are various advantages of modern monetary exchange.Firstly, it is now increasingly common for people to shop online where they cannot use paper money and coins to pay. Thus, people eventually embrace the modern method of payment to be able to participate in online commerce. Secondly, the security features ofcredit cards and online method of monetary exchange give authorities the capability of tracing the use of the cards. However, if the person carrying money is robbed then it is difficult to find out where the stolen money is used.Furthermore, the safety features of modern monetary exchange will be invaluable for people who want to keep their hard-earned money safe. Even though electronic cards have brought tremendous comforts and convenience to people, these cannot entirely replace the traditional money exchange. Paper money andmetal coins have long been used as a medium of exchange and a standard of value in almost all societies.Thus, the traditional monetary system has a cultural, historical and social background which are impossible to change. Internet banking is not always fully secured. There is ample evidence of computer viruses, hackers and crimes. Humans have developed a certain emotional bonding with paper money and coins. Coin collectors, for example, will inevitably get hurt after entire replacement of traditional money and coins.In conclusion, the modern monetary exchange has certainly benefited people by bringing convenience and avoiding certain problems from using paper money and coins. > By - NirobSample Answer 2:As we know consumer behaviour has changed remarkably by the use of plastic cards like debit cards credit cards and such tremendous changes have completely affected our daily life. It is likely that we will no longer use paper money in near future and will create a friendly and safer cashless society. I partially agree with this perspective.On the one hand, I totally accept that the development of credit cards and debit cards benefits people a lot. We can easily sum up bills in one payment, efficiently manage accounts and even pick up a luxury handbag or any other product from an overseas website and pay online. There are also extra services which are provided by credit card companies such as payment insurance, protections of shopping etc. Due to the fact, people get used to plastic money which impulsive several companies like Apple and Alibaba to develop further virtualpayment such as the mobile wallet. Finally, this trend will lead us to a new generation of cashless society.On the other hand, the forms of money had transited in our human history several times, from shells, rare metal to plastic money, and now we are still in the period of transition. No one can promise a cashless society will make our payment safer and completely better for the individual. There is a good amount of coverage and news reveal that some people do not revolve their credit and overuse credit card. Furthermore, credit card fraud can happen inseveral ways, and it is difficult for people to prevent it by themselves or even deal with it. Thus, a cashless society may not equal to a well-protected or more suitable world for everyone.In conclusion, it seems to me that plastic money improves our life and a society without cash will be coming soon. However, I doubt that there will be much higher in quality and harmless for ordinary people.。
无现金社会的英语范文
无现金社会的英语范文Imagine a world where the jingle of coins and the rustle of banknotes are mere echoes of the past, where every transaction is as swift as a digital heartbeat. Welcome to the dawn of a cashless society, where the concept of physical currency is rapidly fading into the annals of history. This transition is not just a shift in how we pay for goods and services; it's a seismic change in the very fabric of our economic interactions.In this digital utopia, the wallet is no longer a bulging pocket of paper and metal; it's a sleek device or an app that holds the keys to our financial freedom. The convenience of tapping a card or scanning a smartphone to pay for everything from a cup of coffee to a new car is not just a luxury; it's becoming the norm. The ease with which we can send money across borders, without the need for currency exchange, is revolutionizing the way we think about money itself.However, this brave new world is not without its challenges. Security concerns loom large, as the digital realm is fraught with its own set of vulnerabilities. The anonymity that once came with cash transactions is replaced by a trail of digital breadcrumbs, raising questions about privacy. Yet, the benefits of a cashless society are hard to ignore. Reduced crime rates, lower transaction costs, and increased financial inclusion for the unbanked are just the tip of the iceberg.As we stride forward into this cashless era, we must also ensure that we do not leave anyone behind. The elderly, the technologically averse, and those in remote areas must not be alienated by this digital wave. Education and accessibility are key to ensuring that the transition to a cashless society is as inclusive as it is innovative.The journey towards a cashless society is not just about the absence of cash; it's about embracing a new paradigm of financial interaction that is more efficient, more secure, and more equitable. It's about redefining the way we value and exchange goods and services, and it's about creating a world where financial transactions are as seamless as a whisper in the digital wind.。
中国向无现金社会迈进英语作文
China's Transition to a Cashless SocietyIn recent years, China has made remarkable progress towards becoming a cashless society. This transformation, driven by technological advancements and government policies, has brought about significant changes in the way people conduct their daily transactions. From mobile payments to digital wallets, the rise of cashless transactions has not only made life more convenient but has also opened up new opportunities for innovation and growth. The adoption of cashless payment methods in China has been rapid and widespread. Mobile payment platforms, suchas Alipay and WeChat Pay, have gained immense popularity, with millions of users relying on them for payments in various scenarios. These platforms offer convenient, secure, and efficient payment solutions that have revolutionizedthe way people shop, dine, travel, and conduct other daily activities.The shift to cashless transactions has beenparticularly beneficial for small businesses and merchants. By accepting digital payments, these businesses can expand their customer base, increase sales, and reduce the risksassociated with handling cash. Additionally, cashless payments have facilitated the growth of e-commerce and online marketplaces, providing small businesses with new channels to reach customers and compete in the global market.The Chinese government has played a crucial role in promoting the cashless society initiative.通过各种 policies 激励措施, it has encouraged the use of digital payments and created a favorable environment for innovation in the fintech sector. For instance, the government has provided subsidies and tax incentives to businesses that adopt cashless payment systems. It has also invested heavily in infrastructure development, such as expanding the coverage of high-speed internet and mobile networks, to facilitate the widespread adoption of cashless transactions.Moreover, the Chinese people have shown a remarkable enthusiasm for cashless payments. This can be attributed to the convenience and ease of use offered by mobile payment platforms. These platforms allow users to make payments quickly and securely, without the need for cash or physical cards. They also provide additional features such astracking spending, managing budgets, and accessingfinancial services, which have further increased their appeal.However, the transition to a cashless society has also presented some challenges. One of the main concerns is the potential exclusion of older individuals and those who may lack access to digital technology. To address these issues, the government and private sector have been working to provide inclusive solutions, such as developing user-friendly interfaces and offering cashless payment options at physical locations.In conclusion, China's transition to a cashless society has been a remarkable feat that has transformed the way people live and conduct business. Driven by technology, government policies, and public enthusiasm, this transformation has brought about significant benefits in terms of convenience, efficiency, and innovation. While challenges remain, the Chinese government and private sector are committed to addressing them and ensuring that the cashless society initiative reaches all sectors of society. As we move forward, it will be interesting to seehow China continues to lead the way in this global trend towards a cashless future.。
Cashless society
Cashless society前言；从支付频度上看，现金仍是全球最主要的支付工具。
按照凯恩斯的货币需求理论，持币动机中的交易动机对应消费性货币需求，预防动机和投机动机对应投资性货币需求。
从消费性需求来看，现金仍然占据主要地位，由万事达卡2013年组织的调查显示，全球大约85%的交易（发生次数）使用的是现金Advantage:无现金社会'意味着:我们的生活会更方便、安全、快捷高效以及环保1如购物简单避免零钱尴尬、不用担心假币、钱包丢失等2无现金社会'里,在可以瞬间完成支付的同时,也能为自己积累信用并将其转化为财富,以待享受更多的服务.Disadvantage1想喝咖啡和买肉桂面包,没有现代支付工具将无法实现2电子支付面临恶意诈骗等新挑战-------------------------------------------------------------------------------------------------------slow birth rate什么原因造成的1 现在养孩子成本太高2高龄产妇生子不容易3长期难以支付社会保障和医疗保险费用。
如今的婴儿越来越少，意味着未来的工人越来越少，这意味着社会保障基金中的资金越来越少。
4新一代的年轻人喜欢过自由享乐型生活，而不愿意象父辈那样被家庭、子女所拖累解决方案是什么1这时候应该提高人口素质（短时间内难）或者发展高新技术产业2鼓励生育，育儿补贴，免费教育等等刺激一下生育3为结婚创造条件降低结婚年龄。
为此，通过进行工资封顶制、缩短法定工作时间等改革，韩国政府拟在五年内创造37万个工作岗位，并为了解决住房问题，向新婚、年轻夫妻提供13.5万套公共租赁住房11/26 15:45。
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A cashless society Step 1 Vocabulary 词汇表fumbling 掏来掏去small change 零钱banknotes 纸币credit 信用debit cards 现金账户卡transactions 交易wads 一扎一扎hard currency 现金contactless payments 无接触支付tap-and-go 点击付款antenna 天线plastic (informal) （俗语）信用卡fraud 诈骗purchases 购物spending spree 疯狂采购chip and PIN 密码tills 收款柜台wearable tech 可穿戴科技fingo-pay 指纹支付Step 2 Reading and understandingThere is nothing worse than fumbling around in your pocket trying to find some small change to pay for a newspaper or a coffee. So it's good to know that new technology is making cash - banknotes and coins - a thing of the past, turning us into a cashless society.Today, many of us already use credit and debit cards for financial transactions so there's no need to carry around huge wads of hard currency. And now it's possible to make contactless payments using tap-and-go cards which are regular bankcards but with a built-in chip and antenna. The card reader sends out a radio frequency and, when you bring the card close to the reader, the antenna picks up the signal to make the payment.Paying this way or spending on 'plastic' - an informal name for a credit card - can put you at risk of fraud. Criminals try to steal cards, or the information on them, to make purchases online or in shops. However, contactless payment is capped -in the UK the limit is £30. And, if someone does go on a spending spree with your card, your bank covers you against the loss - something that wouldn't happen if your banknotes were stolen. Also, the introduction of chip and PIN technology has led to a drop in fraud and has even been helping businesses by cutting the time people spend at tills in shops.But, if getting your bankcard out seems like too much trouble, there's now a solution using wearable tech -that's clothing and accessories that include computer and electronic technologies. Kenneth Cukier, economist and technology expert, says "this is intended for people who are incredibly lazy who don't want to take their card out of their wallet, or use their phone, or use their watch. People are going to be making more purchases more of the time - particularly for small-valued goods."And, although our mobile phones are another way of making payments, BBC reporter Kate Russell says that when this is inconvenient you can use the fingo-pay system which "reads the unique maps of veins under the surface of your finger." The trick is remembering which finger you registered with - that's when good old-fashioned cash might save the day! What do you prefer to use when you buy something?Step 3 测验与练习Task 1阅读课文并回答问题。
1. True or false?A debit card can be used to buy something now and pay for it later.False. A debit card takes money out of your account straight away.2. What do criminals need to make a purchase that you have to pay for?The information on your credit or debit card.3. What word is used in the article that means to have put information on an official list?The word is 'registered'.4. Name one way, mentioned in the article, to pay for something without using cash.Mobile phone, watch, credit or debit card, tap-and-go cards, wearable tech, fingo-pay.5. Which part of your body does the fingo-pay system use to know it is you who is paying for something?It uses your finger.Task 2请你在不参考课文的情况下完成下列练习。
选择一个意思合适的单词填入句子的空格处。
1. The man was arrested after he tried to buy a new car using fake ________.A. notebanksB. bankersC. banknotesD. purchases2. I called my bank after I saw a suspicious ________on my credit card bill.A. transactionedB. transactionC. transactionsD. transgender3. Jane was given lots of money for her birthday so she decided to go on a big ________.A. fraudB. tap-and-goC. spending spreeD. credit card4. John said he couldn't afford to pay for a holiday but I told him to put it on the ________.A. tap-and-goB. chip and PINC. debit cardD. plastic5. At the border I was only allowed to use ________to pay for my visa.A. soft currencyB. hard currencyC. harder currencyD. hard currentsTask 3 语法填空There is nothing worse than fumbling around in your pocket trying to find some small change to pay for a newspaper or a coffee. So it's good to know _1_______ new technology is making cash - banknotes and coins -a thing of the past, turning us into a _2_________ (cash) society.Today, many of us already use credit and debit cards for_3__________ (finance)transactions so there's no need to carry around huge wads of hard currency. And now it's possible to make contactless payments using tap-and-go cards _4__________ are regular bankcards but with a built-in chip and antenna. The card reader sends out a radio _5___________ (frequent) and, when you bring the card close to the reader, the antenna picks up the signal to make the payment.Paying this way or spending on 'plastic' -an informal name for a credit card -can put you _6______ risk of fraud. Criminals try to steal cards, or the information on them, to make purchases online or in shops._7___________, contactless payment is capped - in the UK the limit is £30. And, if someone does go on a spending spree with your card, your bank covers you against the _8_________ (lose) - something _9_________ wouldn't happen if your banknotes were stolen. Also, the introduction of chip and PIN technology has led _10_______ a drop in fraud and has even been helping businesses by cutting the time people spend at tills in shops.But, if _11_________ (get) your bankcard out seems like too much trouble, there's now a solution using wearable tech - that's clothing and accessories that include computer and electronic technologies. Kenneth Cukier, economist and technology expert, says "this is intended _12______people who are _13__________ (incredible) lazy who don't want to take their card out of their wallet, or use their phone, or use their watch. People are going to be _14_________ (make) more purchases more of the time - particularly for small-valued goods."And, although our mobile phones are another way of making payments, BBC reporter Kate Russell says that when this is inconvenient you can use the fingo-pay system _15________ "reads the unique maps of veins under the surface of your finger." The trick is remembering which finger you registered with - that's when good old-fashioned cash might save the day! What do you prefer _16________ (use) when you buy something?1, that 2, cashless 3, financial 4, which/that 5, frequency 6, at 7, However8, loss 9, that 10, to 11, getting 12, for 13, incredibly 14, making15, which/that 16, to use。