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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  83
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."
What can we infer from Philip Haglund’s words?
选项 A、A degree in economics guarantees the capability of managing money.
B、Cyberspace is the best medium for children to get financial knowledge.
C、The app Gimi helps children develop positive attitudes towards money.
D、Cash transactions are abstract and difficult for most people to understand.
答案C
解析 根据题目，定位词是：from Philip Haglund’s words；定位在原文第五段第一句和第二句："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. 与选项对比，A选项原文没有提到；D选项中出现现金交易抽象且难理解，而原文中说到现金有关的金融知识容易掌握，而网络空间金融是抽象且难以理解；所以D犯了偷换主语的错误；本文中心是孩子，金钱，还有网络空间这几个核心词汇，B与C满足这几个词的中心；在定位处的最后一句中：提到app教授有责任的花费习惯；可知C选项中的app在原文中提到，且develop与原文中的teach是同义替换词，responsible spending habit与positive attitude towards money是同义替换词，所以C与定位处相符。
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