题型：阅读理解 题类：模拟题 难易度：普通
辽宁省沈阳市东北育才学校2020届高三英语一模试卷
Rich countries are racing to dematerialise payments. They need to do more to prepare for the side-effects.
For the past 3,000 years, when people thought of money they thought of cash. Over the past decade, however, digital payments have taken off— tapping your plastic on a terminal or swiping a smartphone has become normal. Now this revolution is about to turn cash into an endangered species in some rich economies. That will make the economy more efficient—but it also causes new problems that could hold back the transition(转型).
Countries are removing cash at varying speeds. In Sweden the number of retail cash transaction per person has fallen by 80% in the past ten years. America is perhaps a decade behind. Outside the rich world, cash is still king. But even there its leading role is being challenged. In China digital payments rose from 4% of all payments in 2012 to 34% in 2017.
Cash is dying out because of two forces. One is demand— younger consumers want payment systems that plug easily into their digital lives. But equally important is that suppliers such as banks and tech firms (in developed markets) and telecoms companies (in emerging ones) are developing fast, easy-to-use payment technologies from which they can pull data and pocket fees. There is a high cost to running the infrastructure behind the cash economy—ATMs, vans carrying notes, tellers who accept coins. Most financial firms are keen to abandon it, or discourage old-fashioned customers with heavy fees.
In the main, the prospect of a cashless economy is excellent news. Cash is inefficient. When payments dematerialise, people and shops are less open to theft. It also creates a credit history, helping consumers borrow.
Yet set against these benefits are a couple of worries. Electronic payment systems may risk technical failures, power failure and cyber-attacks. In a cashless economy the poor, the elderly and country folk may be left behind. And a digital system could let governments watch over people's shopping habits and private multinationals exploit their personal data.
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