首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
考研
For those seeking to help the worst-off in poor countries, the mobile phone has been a magic wand. Mobile-money accounts have he
For those seeking to help the worst-off in poor countries, the mobile phone has been a magic wand. Mobile-money accounts have he
admin
2022-11-16
175
问题
For those seeking to help the worst-off in poor countries, the mobile phone has been a magic wand. Mobile-money accounts have helped deliver "financial inclusion"—making financial services accessible to the tens of millions with a phone but no bank account. But they have downsides too.
The most obvious way digital financial services harm poor people is by laying them more open to fraud. Research from 2016 cited in a new report by the Consultative Group to Assist the Poor (CGAP), a consortium of donors affiliated to the World Bank, found that in the Philippines 83% of people surveyed had been targets of mobile-phone scams, with 17% losing money. In Tanzania, 27% had been targeted and 17% fleeced; in Ghana, 56% and 12%.
For the most basic deceptions, a thief needs only a phone number. A text message might offer congratulations on winning a prize, requiring only a small contribution to unlock it. Your identity might be stolen to make you responsible for repaying a loan disbursed to somebody else. An impersonator might steal your mobile-money account when registering a new SIM card. Or your account’s security code—the pin—might be leaked by a mobile-money agent. The poor may be especially susceptible to such scams. They are more likely to be relatively new both to the online world and to formal financial services. And they are less likely to have smartphones with sophisticated security software.
It is not just money that can be stolen. So too can all the other data stored on a phone. Often, however, much has already been given away freely by its owners. Many "free" apps are in fact paid for in customer data. In every country people gaily sign away their rights to privacy by clicking consent buttons without having understood or even read what they are agreeing to. But such data can also be abused. An algorithm might (by design or accident) be biased against certain borrowers because, say, of their race or creed.
It is often assumed that the poor are relaxed about surrendering some privacy in return for access to borrowing and other services. In fact, concern about privacy is not a preserve of the rich. Research in India and Kenya has shown that even very poor borrowers would be willing to pay a higher interest rate—or join a much slower queue—for a loan that came with more guarantees that the data provided to the lender would be kept private.
The mobile phone has been helping the impoverished in obtaining________.
选项
A、accessible services
B、mobile-money accounts
C、their bank accounts
D、urgent financial aids
答案
B
解析
根据题干的关键词the impoverished可定位到文章第一段首句。第二句提到Mobile-money accounts have helped deliver "financial inclusion"—making financial services accessible to the tens of millions with a phone but no bank account (移动货币账户帮助提供了“普惠金融”服务——让数千万只有手机但没有银行账户的人可以使用金融服务)。即手机的功能是让原本没有银行账户的人能有一个移动货币账户作为替代来使用金融服务。因此,B项“移动货币账户”符合句意,故为正确答案。第一段第二句是说making financial services accessible to the tens of millions with a phone but no bank account(让数千万只有手机但没有银行账户的人可以使用金融服务),这里指的是获得金融服务,而非选项A提到的获得accessible service(访问服务),故该选项排除;同理,由第一段可知,手机让穷人获得了移动货币账户,而非真正的银行账户,故C项排除;D项原文并未提及,属于无中生有,故排除。
转载请注明原文地址:https://kaotiyun.com/show/O6MD777K
0
考研英语二
相关试题推荐
Forthoseseekingtohelptheworst-offinpoorcountries,themobilephonehasbeenamagicwand.Mobile-moneyaccountshavehe
Duringthelast15years,theEarth’ssurfacetemperatureroseatarateof0.04℃adecade,farslowerthanthe0.18℃)increase
Duringthelast15years,theEarth’ssurfacetemperatureroseatarateof0.04℃adecade,farslowerthanthe0.18℃)increase
Duringthelast15years,theEarth’ssurfacetemperatureroseatarateof0.04℃adecade,farslowerthanthe0.18℃)increase
Duringthelast15years,theEarth’ssurfacetemperatureroseatarateof0.04℃adecade,farslowerthanthe0.18℃)increase
Nowadays,amateurphotographyhasbecomeatroublingissue.Citizensofrichcountrieshavegotusedtobeingwatchedbyclosed-
Nowadays,amateurphotographyhasbecomeatroublingissue.Citizensofrichcountrieshavegotusedtobeingwatchedbyclosed-
随机试题
麻醉前用药的目的在于
儿童期指的是:
下列与慢性支气管炎发病有关的因素是
关于建筑地面排水,下列哪项要求是错误的?[1999—101]
用统筹法计算工程量的说法错误的是()。
现行《企业所得税法》规定的企业所得税的税收优惠方式包括( )。
ETF的信息披露中,交易日的基金份额净值除了按规定于当日在指定报刊和管理人网站披露外,也将通过证券交易所的行情发布系统于次一交易日揭示。()
甲、乙公司签订买卖合同,合同标的额为5万元。2013年8月1日,买方甲公司签发一张2013年9月1日到期的银行承兑汇票,9月1日,承兑申请人甲公司的银行账户上无足够资金,尚缺2万元。直到2013年9月21日,甲公司存人5万元。根据有关规定,对甲公司计收的罚
如果能有效地利用互联网,能快速方便地查询世界各地的信息,对科学研究、商业来往乃至寻医求药都带来很大的好处。然而,如果上网成瘾,也有许多弊端,还可能带来严重的危害。尤其是青少年,上网成瘾可能荒废学业、影响工作。为了解决这一问题,某个网点上登载了“互联网瘾”自
以张伟的名义于2006年12月30日写一封投诉信。信中应包括以下内容:1.一周前买的型号为X2000乐人牌MP3播放器,使用一周内效果良好;今晨一开机,无声音,显屏也不正常;电池是新的,无毛病。2.要求免费换或退货。3.希望
最新回复
(
0
)