With smartphones taking the world by storm, a phone that can only send and r

游客2024-05-03 48

问题 With smartphones taking the world by storm, a phone that can only send and receive voice calls and text messages may seem like a relic (文物)from a bygone age. Yet in East Africa, simple phones like these are changing the face of the economy, thanks to the "mobile money" services that are spreading across the region.
Using the text-messaging capability built into the GSM system used by most cellphone networks, these services allow people without a bank account or credit card to use their phone as an electronic wallet that can be used to store, send or receive cash.
It works like this: you pay cash to your local agent—often at the nearest corner shop, if you live in a city—who then tops up your mobile money account using a secure form of SMS text messaging. That money can be transferred to another person by sending an SMS to his cellphone account. People without mobile money accounts can receive payments in the form of a text code which can be forwarded to their local agent, who exchanges it for cash. To access the mobile money service, users have to enter a number and password into the phone, so any money that is stored on it should be secure even if the handset is lost.
One of mobile money’s pioneers is the M-Pesa system, operated by the Kenyan cellphone network Safaricom. "Pesa" is Swahili for money. M-Pesa is now used by around 8 million Kenyans to pay for anything from school fees to grocery bills. It was joined last year by Zap, a mobile money service run by Safaricom’s main rival, Zain.
Mobile money also presents an opportunity for millions to save securely for the first time. Storing cash leaves people open to theft, says Arthur Goldstuck of technology analyst group World Wide Worx in Pinegowrie, South Africa. "People are able to save and so they have a means to start planning for the long term."
Mobile money could also have a future in richer nations, though it faces competition from the established network of ATMs, bank branches and internet banking. "I see mobile banking as a key way that people will bank in five years’ time," says Christopher Brearley, who investigates innovative banking technologies at the UK-based bank HSBC. "There is the potential for small transactions and person-to-person payments to move through the kind of mobile banking systems we see in East Africa. " [br] According to Christopher Brearley, people in East Africa are likely to use mobile banking systems to do small transactions and______.

选项

答案 person-to-person payments

解析细节归纳题。本段最后一句具体谈到了Christopher Brearley对东非民众使用移动银行系统的预测，将来东非民众有可能通过这种移动银行系统来进行小型交易和人与人之间的支付。由此可见，原句中介词for的宾语就是东非民众使用移动银行系统所做的事情，所以本题的答案为person-to-person payments。

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