Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of...

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Dương Minh

21 tháng 11 2017 lúc 10:02

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questionsSmart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mob...

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Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questions

Smart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mobile phones will have risen to more than $50 billion in the very near future.

What's the appeal of e-cash? Compared to cheques or credit cards, it offers the speed of cash, but more so. It takes just one tenth of a second to complete most transactions and as no change is required, errors in counting are eliminated. Fraud and theft are also reduced and for the retailer, it reduces the cost of handling money. Sony's vision of having a chip embedded in computers. TVs and games consoles means that films, music and games can be paid for easily and without having to input credit card details.

And what about the future of the banks? Within their grip on the market, banks and credit-card firms want to be in a position to collect most of the fees from the users of mobile and contactless-payment systems. But the new system could prove to be a "disruptive technology" as far as the banks are concerned. If payments for a few coffees, a train ticket and a newspaper are made every day by a commuter with a mobile, this will not appear on their monthly credit card statements but on their mobile phone statements. And having spent fortunes on branding, credit-card companies and banks do not want to see other payment systems gaining popularity. It's too early to say whether banks will miss out and if so, by how much. However, quite a few American bankers are optimistic They feel there is reason to he suspicious of those who predict that high-street banks may be a thing of the past. They point out that Internet banking did not result in the closure of their high-street branches as was predicted. On the contrary, more Americans than ever are using local branches. So, whether we'll become a totally cash-free society remains open to contention.

The word "embedded” in the second paragraph is closest in meaning to ____________.

A. manufactured

B. isolated

C. integrated

D. generated

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Dương Minh

23 tháng 5 2017 lúc 4:22

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questionsSmart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mob...

Đọc tiếp

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questions

Smart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mobile phones will have risen to more than $50 billion in the very near future.

What's the appeal of e-cash? Compared to cheques or credit cards, it offers the speed of cash, but more so. It takes just one tenth of a second to complete most transactions and as no change is required, errors in counting are eliminated. Fraud and theft are also reduced and for the retailer, it reduces the cost of handling money. Sony's vision of having a chip embedded in computers. TVs and games consoles means that films, music and games can be paid for easily and without having to input credit card details.

And what about the future of the banks? Within their grip on the market, banks and credit-card firms want to be in a position to collect most of the fees from the users of mobile and contactless-payment systems. But the new system could prove to be a "disruptive technology" as far as the banks are concerned. If payments for a few coffees, a train ticket and a newspaper are made every day by a commuter with a mobile, this will not appear on their monthly credit card statements but on their mobile phone statements. And having spent fortunes on branding, credit-card companies and banks do not want to see other payment systems gaining popularity. It's too early to say whether banks will miss out and if so, by how much. However, quite a few American bankers are optimistic They feel there is reason to he suspicious of those who predict that high-street banks may be a thing of the past. They point out that Internet banking did not result in the closure of their high-street branches as was predicted. On the contrary, more Americans than ever are using local branches. So, whether we'll become a totally cash-free society remains open to contention.

Which of the following is NOT true about the strong point of e-cash?

A. faster speed

B. no fraud

C. fewer mistakes

D. reduced cost

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Dương Minh

9 tháng 12 2018 lúc 16:56

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questionsSmart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mob...

Đọc tiếp

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questions

Smart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mobile phones will have risen to more than $50 billion in the very near future.

What's the appeal of e-cash? Compared to cheques or credit cards, it offers the speed of cash, but more so. It takes just one tenth of a second to complete most transactions and as no change is required, errors in counting are eliminated. Fraud and theft are also reduced and for the retailer, it reduces the cost of handling money. Sony's vision of having a chip embedded in computers. TVs and games consoles means that films, music and games can be paid for easily and without having to input credit card details.

And what about the future of the banks? Within their grip on the market, banks and credit-card firms want to be in a position to collect most of the fees from the users of mobile and contactless-payment systems. But the new system could prove to be a "disruptive technology" as far as the banks are concerned. If payments for a few coffees, a train ticket and a newspaper are made every day by a commuter with a mobile, this will not appear on their monthly credit card statements but on their mobile phone statements. And having spent fortunes on branding, credit-card companies and banks do not want to see other payment systems gaining popularity. It's too early to say whether banks will miss out and if so, by how much. However, quite a few American bankers are optimistic They feel there is reason to he suspicious of those who predict that high-street banks may be a thing of the past. They point out that Internet banking did not result in the closure of their high-street branches as was predicted. On the contrary, more Americans than ever are using local branches. So, whether we'll become a totally cash-free society remains open to contention.

The author mentions the case of commuters in the third paragraph to illustrate ____________.

A. the modern technology of the e-cash system

B. a possible drawback of the system

C. the banks' cooperation with credit-card companies

D. the transferability of the system

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Dương Minh

19 tháng 6 2019 lúc 11:55

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questionsSmart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mob...

Đọc tiếp

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questions

Smart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mobile phones will have risen to more than $50 billion in the very near future.

What's the appeal of e-cash? Compared to cheques or credit cards, it offers the speed of cash, but more so. It takes just one tenth of a second to complete most transactions and as no change is required, errors in counting are eliminated. Fraud and theft are also reduced and for the retailer, it reduces the cost of handling money. Sony's vision of having a chip embedded in computers. TVs and games consoles means that films, music and games can be paid for easily and without having to input credit card details.

And what about the future of the banks? Within their grip on the market, banks and credit-card firms want to be in a position to collect most of the fees from the users of mobile and contactless-payment systems. But the new system could prove to be a "disruptive technology" as far as the banks are concerned. If payments for a few coffees, a train ticket and a newspaper are made every day by a commuter with a mobile, this will not appear on their monthly credit card statements but on their mobile phone statements. And having spent fortunes on branding, credit-card companies and banks do not want to see other payment systems gaining popularity. It's too early to say whether banks will miss out and if so, by how much. However, quite a few American bankers are optimistic They feel there is reason to he suspicious of those who predict that high-street banks may be a thing of the past. They point out that Internet banking did not result in the closure of their high-street branches as was predicted. On the contrary, more Americans than ever are using local branches. So, whether we'll become a totally cash-free society remains open to contention.

What is the main idea of the first paragraph?

A. The absence of traditional payment methods

B. Predictions of future payment methods

C. Japan's advanced forms of payment

D. The increasing popularity of new payment methods

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Dương Minh

27 tháng 11 2018 lúc 11:04

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questionsSmart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mob...

Đọc tiếp

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questions

Smart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mobile phones will have risen to more than $50 billion in the very near future.

What's the appeal of e-cash? Compared to cheques or credit cards, it offers the speed of cash, but more so. It takes just one tenth of a second to complete most transactions and as no change is required, errors in counting are eliminated. Fraud and theft are also reduced and for the retailer, it reduces the cost of handling money. Sony's vision of having a chip embedded in computers. TVs and games consoles means that films, music and games can be paid for easily and without having to input credit card details.

And what about the future of the banks? Within their grip on the market, banks and credit-card firms want to be in a position to collect most of the fees from the users of mobile and contactless-payment systems. But the new system could prove to be a "disruptive technology" as far as the banks are concerned. If payments for a few coffees, a train ticket and a newspaper are made every day by a commuter with a mobile, this will not appear on their monthly credit card statements but on their mobile phone statements. And having spent fortunes on branding, credit-card companies and banks do not want to see other payment systems gaining popularity. It's too early to say whether banks will miss out and if so, by how much. However, quite a few American bankers are optimistic They feel there is reason to he suspicious of those who predict that high-street banks may be a thing of the past. They point out that Internet banking did not result in the closure of their high-street branches as was predicted. On the contrary, more Americans than ever are using local branches. So, whether we'll become a totally cash-free society remains open to contention.

How does the writer seem to feel about the future of banks?

A. neutral

B. uncertain

C. optimistic

D. pessimistic

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Dương Minh

10 tháng 7 2017 lúc 3:26

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questionsSmart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mob...

Đọc tiếp

Read the following passage and mark the letter A,B,C or D on your answer sheet to indicate the correct answer to each of the questions

Smart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mobile phones will have risen to more than $50 billion in the very near future.

What's the appeal of e-cash? Compared to cheques or credit cards, it offers the speed of cash, but more so. It takes just one tenth of a second to complete most transactions and as no change is required, errors in counting are eliminated. Fraud and theft are also reduced and for the retailer, it reduces the cost of handling money. Sony's vision of having a chip embedded in computers. TVs and games consoles means that films, music and games can be paid for easily and without having to input credit card details.

And what about the future of the banks? Within their grip on the market, banks and credit-card firms want to be in a position to collect most of the fees from the users of mobile and contactless-payment systems. But the new system could prove to be a "disruptive technology" as far as the banks are concerned. If payments for a few coffees, a train ticket and a newspaper are made every day by a commuter with a mobile, this will not appear on their monthly credit card statements but on their mobile phone statements. And having spent fortunes on branding, credit-card companies and banks do not want to see other payment systems gaining popularity. It's too early to say whether banks will miss out and if so, by how much. However, quite a few American bankers are optimistic They feel there is reason to he suspicious of those who predict that high-street banks may be a thing of the past. They point out that Internet banking did not result in the closure of their high-street branches as was predicted. On the contrary, more Americans than ever are using local branches. So, whether we'll become a totally cash-free society remains open to contention.

What does the author think may happen in the future?

A. Daily expenses on drinks and tickets will appear on phone statements.

B. Banks will collect their fees through credit-card companies.

C. Americans will no longer go to their local bank branches.

D. Credit-card companies and banks will want to promote cash

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Dương Minh

15 tháng 5 2019 lúc 3:09

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 30 to 34. Bitcoins are a form of virtual currency. In other words, they are a type of money that does not exist in the actual world. However, they can be used to purchase actual products and services from real companies. The bitcoin system was created in 2009 by an enigmatic person named Satoshi Nakamoto. In fact, no one is sure if Satoshi N...

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Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 30 to 34.

Bitcoins are a form of virtual currency. In other words, they are a type of money that does not exist in the actual world. However, they can be used to purchase actual products and services from real companies.

The bitcoin system was created in 2009 by an enigmatic person named Satoshi Nakamoto. In fact, no one is sure if Satoshi Nakamoto is an actual person or a group of people. Bitcoins are designed to serve as an alternative to national currencies, such as dollars and euros, They can be used to pay for things instead of cash or credit cards. When bitcoins are transferred from a buyer to a seller, the transaction is recorded in a public database.

Governments are concerned that bitcoins can easily be stolen by hackers. It has dawned on them that they might be used for illegal purposes. For example, stolen goods could be purchased without the government's knowledge. Although more and more companies are beginning to accept bitcoins, the percentage of purchases made using bitcoins is minuscule compared to other online payment methods, such as credit cards. Instead, many bitcoin owners simply keep them as an investment since more valuable in the future.

This may or may not be a wise approach. Currently, the value of bitcoins is fluctuating wildly, especially when compared to highly stable national currencies, Bitcoin Investors are gambling on the hope that as this high-tech money becomes more widely accepted, its value will soar.

(Adapted from: https://www.digitalcommerce360.com/)

Which of the following is defined in the passage?

A. Bitcoins

B. Transactions

C. Credit cards

D. Public Database

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Dương Minh

28 tháng 7 2019 lúc 5:04

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best ﬁts each of the numbered blanks from 23 to 27.The invention of the mobile phone has undoubtedly revolutionized the way people communicate and inﬂuenced every aspect of our lives. The issue is whether this technological innovation has done more harm than good.In order to (23)_____ the question, we must first turn to the type of consumer. Presumably, most parents buy m...

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Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best ﬁts each of the numbered blanks from 23 to 27.

The invention of the mobile phone has undoubtedly revolutionized the way people communicate and inﬂuenced every aspect of our lives. The issue is whether this technological innovation has done more harm than good.

In order to (23)_____ the question, we must first turn to the type of consumer. Presumably, most parents buy mobile phones for their teenagers to track their whereabouts and ensure their safety. We can also assume that most teenagers want mobile phones to avoid missing out (24)_____ social contact. In this context, the advantages are clear. However, we cannot deny the fact that text messages have been used by bullies to intimidate fellow students. There is also (25)_____ evidence that texting has affected literacy skills.

The ubiquitous use of the mobile phone has, (26)_____ question, affected adult consumers, too. What employee, on the way home from work, would be reluctant to answer a call from their boss? Apparently, only 18% of us, according to a recent survey, are willing to switch off our mobile phones once we've left the office.

Admittedly, mobile phones can be intrusive but there are obvious benefits to possessing one. Personally speaking, they are invaluable when it comes to making social or business arrangements at short (27)_____. According to a recent survey, they also provide their owners with a sense of security in emergency situations.

In conclusion, mobile phones do have their drawbacks, but these are outweighed by the benefits. I would argue that it is not the tool that chooses its purpose, but the user.

Điền vào ô 26.

A. out of

B. without

C. beyond

D. outside

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Dương Minh

22 tháng 12 2018 lúc 16:57

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best ﬁts each of the numbered blanks from 23 to 27.The invention of the mobile phone has undoubtedly revolutionized the way people communicate and inﬂuenced every aspect of our lives. The issue is whether this technological innovation has done more harm than good.In order to (23)_____ the question, we must first turn to the type of consumer. Presumably, most parents buy m...

Đọc tiếp

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best ﬁts each of the numbered blanks from 23 to 27.

The invention of the mobile phone has undoubtedly revolutionized the way people communicate and inﬂuenced every aspect of our lives. The issue is whether this technological innovation has done more harm than good.

In order to (23)_____ the question, we must first turn to the type of consumer. Presumably, most parents buy mobile phones for their teenagers to track their whereabouts and ensure their safety. We can also assume that most teenagers want mobile phones to avoid missing out (24)_____ social contact. In this context, the advantages are clear. However, we cannot deny the fact that text messages have been used by bullies to intimidate fellow students. There is also (25)_____ evidence that texting has affected literacy skills.

The ubiquitous use of the mobile phone has, (26)_____ question, affected adult consumers, too. What employee, on the way home from work, would be reluctant to answer a call from their boss? Apparently, only 18% of us, according to a recent survey, are willing to switch off our mobile phones once we've left the office.

Admittedly, mobile phones can be intrusive but there are obvious benefits to possessing one. Personally speaking, they are invaluable when it comes to making social or business arrangements at short (27)_____. According to a recent survey, they also provide their owners with a sense of security in emergency situations.

In conclusion, mobile phones do have their drawbacks, but these are outweighed by the benefits. I would argue that it is not the tool that chooses its purpose, but the user.

Điền vào ô 24.

A. in

B. to

C. of

D. on

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