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Given the advantages of electronic money, you might think that we would move quickly to the cashless society in which all payments are made electronically. (1), a true cashless society is probably not around the comer. Indeed, predictions of such a society have been(2)for two decades but have not yet come to fruition. For example, Business Week predicted in 1975 that electronic means of payment “would soon revolutionize the very(3)of money itself,” only to (4)itself several years later. Why has the movement to a cashless society been so (5) in coming?

Although electronic means of payment may be more efficient than a payment system based on paper, several factors work (6)the disappearance of the paper system. First, it is very(7)to set up the computer, card reader, and telecommunications networks necessary to make electronic money the (8)form of payment. Second, paper checks have the advantage that they (9) receipts, something that many consumers are unwilling to(10). Third, the use of paper checks gives consumers several days of “float” -- it takes several days(11)a check is cashed and funds are (12)from the issuer’s account, which means that the writer of the check can earn interest on the funds in the meantime. (13)electronic payments are immediate, they eliminate the float for the consumer.

Fourth, electronic means of payment may(14)security and privacy concerns. We often hear media reports that an unauthorized hacker has been able to access a computer database and to alter information(15)there. Because this is not an(16) occurrence, unscrupulous persons might be able to access bank accounts in electronic payments systems and (17)funds by moving them from someone else’s accounts into their own. The(18)of this type of fraud is no easy task, and a whole new field of computer science has developed to (19)security issues. A further concern is that the use of electronic means of payment leaves an electronic(20) that contains a large amount of personal data on buying habits. There are worries that government, employers, and marketers might be able to access these data, thereby encroaching on our privacy.

1.A、However            B、Moreover        C、Therefore       D、Otherwise

2.A、off                      B、back                C、over                D、around

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