Part 3

收钱作礼物

7. Why do people rarely use cash now?

答案:

The decline in cash usage can be attributed to several interrelated factors. Firstly, the advent of digital payment systems has revolutionized how transactions are conducted. With the rise of mobile wallets and contactless payments, consumers find it exceedingly convenient to make purchases without the hassle of carrying physical cash.

Secondly, the impact of the COVID-19 pandemic has accelerated the shift towards cashless transactions, as many people now prefer to minimize physical contact. This has led to a heightened awareness of hygiene and safety in financial exchanges.

Moreover, digital payments often come with added benefits, such as rewards programs, expense tracking, and enhanced security features. These advantages make cash less appealing, particularly for younger generations who are more inclined to embrace technology. However, it is essential to recognize that not all individuals have equal access to digital payment methods, which can create a divide in financial inclusivity. In conclusion, while cash usage is dwindling, the transition towards a cashless society presents both opportunities and challenges.

助记: decline, cash usage, digital payment systems, mobile wallets, contactless payments, COVID-19 pandemic, minimize physical contact, hygiene, safety, rewards programs, expense tracking, financial inclusivity.

翻译:

现金使用的减少可以归因于几个相互关联的因素。首先，数字支付系统的出现彻底改变了交易的方式。随着移动钱包和非接触式支付的兴起，消费者发现无需携带实体现金进行购买极为便利。

其次，COVID-19疫情的影响加速了向无现金交易的转变，因为许多人现在更愿意减少身体接触。这导致了人们在财务交易中对卫生和安全的高度重视。

此外，数字支付通常附带额外的好处，如奖励计划、支出跟踪和增强的安全功能。这些优势使得现金的吸引力降低，尤其是对更倾向于接受技术的年轻一代而言。然而，必须认识到，并非所有个体都能平等地获得数字支付方式，这可能在财务包容性上造成差距。总之，尽管现金使用正在减少，但向无现金社会的转变既带来了机遇，也面临挑战。

笔记:

  1. decline (/dɪˈklaɪn/) - a decrease in quantity or quality, 减少
  2. cash usage (/kæʃ ˈjuːsɪdʒ/) - the act of using physical currency for transactions, 现金使用
  3. digital payment systems (/ˈdɪdʒ.ɪ.təl ˈpeɪ.mənt ˈsɪs.təmz/) - electronic methods for making financial transactions, 数字支付系统
  4. mobile wallets (/ˈmoʊ.bəl ˈwɒlɪts/) - applications that allow users to store and manage their payment information on mobile devices, 移动钱包
  5. contactless payments (/ˈkɒn.tækt.ləs ˈpeɪ.mənts/) - transactions made without physical contact, 非接触式支付
  6. COVID-19 pandemic (/ˈkoʊ.vɪd ˈnaɪnˌtiːn pænˈdɛmɪk/) - a global health crisis that began in 2019, COVID-19疫情
  7. minimize physical contact (/ˈmɪn.ɪ.maɪz ˈfɪz.ɪ.kəl ˈkɒn.tækt/) - to reduce the amount of direct interaction with others, 减少身体接触
  8. hygiene (/ˈhaɪ.dʒiːn/) - conditions or practices that promote health and prevention of disease, 卫生
  9. safety (/ˈseɪf.ti/) - the condition of being protected from harm, 安全
  10. rewards programs (/rɪˈwɔːrdz ˈproʊ.ɡræmz/) - incentive schemes that offer benefits for using certain services, 奖励计划
  11. expense tracking (/ɪkˈspɛns ˈtræk.ɪŋ/) - monitoring spending to manage finances effectively, 支出跟踪
  12. financial inclusivity (/faɪˈnæn.ʃəl ɪnˈkluː.sɪ.vɪ.ti/) - ensuring all individuals have access to financial services, 财务包容性