2 . It’s not so long ago that contactless card payments were exciting and new, but the technology is already old-hat. The new, better way to pay for things in shops? By using your phone to make a contactless payment.

Because traditionally, when you have paid with a card tap (轻敲) or using a chip and pin machine, ultimately the shop you are buying from will be noting down all of your card details.     1     And this could be a problem — it means that if the shop is hacked (侵入) or plays fast and loose with its data, you could find your card number exposed to the world.

However, when you tap to pay with your device, it generates a unique ID number for that deal and sends that instead. So you can pay for your goods and the shop can get your money.     2     That is to say, phone payments are smarter.

    3     If a pickpocket steals your card they can immediately use up the money. But if they get your phone, when the phone goes to pay it will typically perform a biometric check-it will ask for a finger-print or use the camera to look at your face, to check that you are who you say you are.

    4     Because of this added security, the limit (限额) is typically higher than for contactless cards. In the UK, it’s around £ 100 for most retailers-though some shops including most supermarkets let you spend much more with just a tap of the phone.

Want to give it a try? To actually set things up, go to your Wallet app and follow the instructions.     5     Then it will automatically recognise the numbers and connect with your bank. Usually you receive a text message with a special code on it. And then, well, you’re done. When you pay, hold your phone over the payment machine, and pay for your goods!

A．It helps to build the client list.

B．The setup process varies with banks.

C．No one needs to share any sensitive data.

D．It’s also more effective against the threat of thefts.

E．And phone payments are increasingly convenient too.

F．Typically this starts by scanning your card with your phone.

G．Therefore, it knows which bank account to take the money from.

4 . 听下面一段较长对话，回答以下小题。
1. What did the program say about the life in the future?

A．More time will be spent on people’s work.

B．More free time will be available to people.

C．More supermarkets will come into being.

2. What is the speakers’ attitude to the program’s opinion on shopping in the future?

A．Approving.

B．Doubtful.

C．Unclear.

5 . 听下面一段较长对话，回答以下小题。1.

A．By using cash.	B．By entering a password.
C．By scanning the code.	D．By using a tap-and-go card.

2.

A．Because it touches the card reader.	B．Because it uses the password.
C．Because it has a built-in signal receiver.	D．Because it receives the flying data.

3.

A．The bank will cover its clients against the loss.

B．Every transaction is completed within half a second.

C．People must enter their ID card number for continual use.

D．Each payment is restricted to a certain amount of money.

4.

A．Look for his wallet.	B．Apply for a tap-and-go card.
C．Borrow cash from the woman.	D．Stick to buying things in cash.

6 . 听下面一段较长对话, 回答以下小题。
1. What does the woman suggest the man do?

A．Go to the Electric Company Office.

B．Pay electric bill first.

C．Open a checking account.

2. How do most people pay the electric bill?

A．In cash.

B．By check.

C．By phone.

7 . Directions: After reading the passage below, fill in the blanks to make the passage coherent and grammatically correct. For the blanks with a given word, fill in each blank with the proper form of the given word; for the other blanks, use one word that best fits each blank.

Buy Now, Pay Later Spending

Buy now, pay later(BNPL) spending is expected to rise to record levels this holiday season. With so many young “buy now, pay later” shoppers already in debt from this short-term financing tool not requiring interest, questions emerge: Why do these shoppers use such a tool? And what risks does it pose to their budgets in the months     1     (come)?

The many Generation Z and millennials (typically around 40 years and younger) tend to use this short-term financing,     2     allows them to buy items and pay for them over time. Offered mostly by financial technologies, BNPL allows these customers to pay back their purchases     3     interest and with the first payment usually made at checkout. The most common “buy now, pay later” plan is     4     customers make four equal payments and pay off the debt in six weeks. It’s been a lifeline for some people, such as a university student     5     weekly income is not big enough. “BNPL provides consumers with flexible payment options so they     6     manage spending,” said Vivek Pandya, lead analyst at Adobe Digital Insights. That is of great importance for many consumers, especially     7     with a tendency to purchase higher-cost items.

However, since BNPL     8     (appear), warnings from experts have come into our view. They have been indicating that it’s financially unhealthy to form such a spending habit. According to New York Federal Reserve economists, BNPL may encourage debt to increase over time,     9     (influence) a consumer’s ability to meet non-BNPL commitments, or users to over extend themselves. Users should also note that     10     interest is not charged on the loan, they’ll be hit with late fees for missed payments, which can add up quickly, says the Consumer Financial Protection Bureau.