2021考研英語雙語閱讀：零花錢也要移動化

2021考研英語雙語閱讀:零花錢也要移動化

　　摘要：來看今天的考研英語閱讀資料，隨著科技的發展，現在我們的金錢開始變得數位化，相應的給孩子的零花錢也隨之做出了改變，為了緊跟潮流，全球出現了多個兒童移動理財應用程式，比如GoHenry、Osper和Gimi等等。
　　2021考研英語雙語閱讀:零花錢也要移動化
　　Children may not be stashing coins in piggy banks for much longer; with the move towards acashless society, pocket money is moving digital.
　　孩子們今後可能不會再把零花錢存在存錢罐裡了。隨著無現金社會的發展，零花錢也在數位化。
　　To reflect this trend, a flurry of mobile budgeting apps for children has sprung up worldwide: GoHenry, Osper and Gimi to name a few.
　　為了緊跟潮流，全球出現了多個兒童移動理財應用程式，比如GoHenry、Osper和Gimi等等。
　　These apps offer a simple money management service for children, often for a monthlysubscription fee paid by the parents. Parents can add money to children&39;sGlobal Financial Literacy Survey, and one in four teenagers are unable to make even simpledecisions on everyday spending.
　　根據標準普爾的全球金融素養調查，全球三分之二的成年人沒有接受過金融教育，四分之一的青少年甚至無法對日常支出做出簡單決定。
　　These apps aim to overcome this, claiming to teach children financial concepts, such asbudgeting, interest rates and income.
　　這些應用旨在解決這一問題，聲稱能教會孩子們理財的概念，比如預算、利率和收入。
　　For instance, the Swedish app Gimi -— with 1.2 million users globally — has virtual savings jarswhere children can deposit money; parents can pay children interest as they save; and there isa chores feature, where parents can pay children for completing household tasks.
　　例如，瑞典的應用程式Gimi在全球擁有120萬用戶，它擁有虛擬存錢罐，孩子們可以在裡面存錢，父母可以給孩子支付儲蓄利息。它還有一個「家務」功能，父母可以付錢讓孩子完成家務。
　　The account is attached to a prepaid card that is currently available in Sweden only, butexpected to launch elsewhere in Europe in 2020.
　　該帳戶附帶一張預付卡，目前只能在瑞典使用，但預計將於2020年在歐洲其他國家和地區推出。
　　&39;s so tangible and so easy tograsp,&34;Now money is being transferredthrough some kind of cyberspace, which is really abstract and hard for anyone tounderstand.&34;You don&39;s more about the attitude and the relationship you have with parents&39;re sixto 12 years old,&34;have regular, dedicated, classroom time and ideally should be taught as astandalone subject,&34;Children would then have the right context and foundation toget the most out of both the apps and their money.&34;There&34; Aurelian Guichard, the product owner for Revolut Youth, tells CNNBusiness.
　　應用程式Revolut Youth的產品負責人奧雷利安·吉查德告訴美國有線新聞網商業頻道說：「這蘊藏著巨大的商機。」
　　&34;
　　「我們有一款針對成年人應用……因此，我們能讓兒童用戶逐漸過度為成人用戶。」
　　This could translate to customers for life, as according to the UK&34;If children don&39;s a risk that moneyapps could be seen as just another game,&34;There&39;t learnabout the real value of money and might develop bad money habits.&34;We want to help kids and teenagers gain financial skills for life, and the earlier you do that thebetter, because if you&39;s better than makinga mistake of 1,000 pounds when you&34; he says.
　　他說：「我們想幫助孩子和青少年獲得終生的理財技能，越早越好，因為如果你在8歲時犯價值10英鎊的錯誤，總比你28歲時犯價值1000英鎊的錯誤要好。」