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  3. Children may not be using piggy banks (储钱罐) for much longer; with the move towards a cashless society, pocket money is moving di

Children may not be using piggy banks (储钱罐) for much longer; with the move towards a cashless society, pocket money is moving di

admin2021-11-17  70
问题     Children may not be using piggy banks (储钱罐) for much longer; with the move towards a cashless society, pocket money is moving digital. To reflect this trend, all of a sudden a lot of mobile budgeting apps for children have been developed worldwide: GoHenry, Osper and Gimi, to name a few.
    These apps offer a simple money management service to children, often for a monthly fee paid by parents. Parents can add money to children’s accounts, set limits and monitor transactions, while children can choose to save their money or spend it using a prepaid card. The apps suggest minimum ages ranging from six to nine for the prepaid card.
    The companies behind the apps argue that in an increasingly cashless society, these apps can be a valuable way of teaching young children about money. Two thirds of adults globally know little about finance, according to a recent survey, and one in four teenagers are unable to make even simple decisions on everyday spending.
    These apps aim to overcome this, claiming to teach children financial concepts, such as budgeting, interest rates and income. For instance, the Swedish app Gimi—with 1.2 million users globally has online savings jars where children can deposit money. Parents can pay children interest as they save, and pay children for completing household tasks. The account is attached to a prepaid card that is currently available in Sweden only, but expected to launch elsewhere in Europe in the near future.
    "Cash was the best way to teach people about financial knowledge because it’s so easy to grasp, " Philip Haglund, CEO of Gimi, mentions. "Now money is being transferred through some kind of cyberspace, which is really abstract and hard for anyone to understand." Haglund believes the app can teach responsible spending habits, whereas schools tend to focus more on economic theories. "You don’t become better at money management just because you have a degree in economics. It’s more about the attitude and the relationship you have with parents’ money when you’re six to 12 years old, " he says.
    But Catherine Winter, managing director of financial capability at The London Institute of Banking and Finance, warns that while digital tools can help, there needs to be a more structured approach to financial education. The area should "have regular classroom time and ideally should be taught as a separate subject, " she says. "Children would then have the right context and foundation to get the most out of both the apps and their money."
According to the passage, the Swedish app Gimi can________.
选项 A、guide parents to manage companies
B、give children basic ideas of finance
C、guide children to do their homework
D、teach parents how to invest their money
答案B
解析 根据题目，定位词是：the Swedish app Gimi；定位在原文第四段第二句：For instance, the Swedish app Gimi—with 1.2 million users globally has online savings jars where children can deposit money.与选项对比，这些app的用户和家长没有关系，就是影响儿童零花钱，可知B与定位处相符。
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