单选题 In 2007 Safaricom, the biggest mobile operator in Kenya, launched M-PESA, a service that allows money to be sent and received using mobile phones. It is used by 70% of the adult population and has become central to the economy: around 25% of Kenya's GNP flows through it.
Similar schemes have had some success elsewhere. There has been a particular push in east Africa. Yet in many poor countries where mobile money should be flourishing, it isn't.
Mobile-money services are especially useful in developing countries. A worker in the city can send money to his family in the village without having to waste a day travelling on a rickety bus. Indeed, he can pay his family's household bills directly from his phone. It is safer too, nobody wants to carry wads of currency on public transport.
Mobile money also gives its users—many of whom are poor and have no access to banks—a way to save small amounts of money. Mobile transactions are more traceable than cash, making it harder for corrupt officials to embezzle undetected. And lately Kenya has discovered a further benefit: the success of M-PESA has provided the foundation for a group of start-ups in Nairobi that are building new products and services on top of it.
Not all countries need mobile money, of course. Rich countries, with cash machines, credit cards and Interact banking, have little use for it. And among developing countries, not all have Kenya's specific mix of circumstances. Safaricom had a dominant market share when it launched M- PESA, giving the service a large base of potential customers. But there is also a bad reason why mobile money has failed to spread. Many of the poor countries that would most benefit from mobile money seem intent on keeping its suppliers out—mainly by insisting they should be regulated like banks.
Nobody disputes the idea that financial transactions need to be monitored. But there is also, equally clearly, a rather big difference between a cheap money-transfer system like M-PESA and a full lending bank like Citicorp. The security worries are usually fairly easily dealt with. Placing a limit on the size of transactions and the total balance that can be stored reduces the risk of mobile money being used to launder cash.
Another concern is consumer protection: cunning operators could steal cash. One compromise, which has been adopted in several African countries, is to get operators to form partnerships with banks.
Indeed, rather than fighting mobile money, governments should use it themselves.

单选题 Which of the following is NOT true according to the first paragraph?
A. M-PESA was rolled out by a company in Kenya.
B. M-PESA is a money-transfer service via cell phones.
C. Over two thirds of adults in Kenya use M-PESＡ.
D. Kenya's economy is supported by M-PESＡ.

【正确答案】 D

【答案解析】[考点] 推理判断题
[解析] 根据第1段最后一句“It is used by 70% of the adult population and has become central to the economy: around 25% of Kenya's GNP flows through it”可以判断，移动货币对肯尼亚的经济不是由移动货币支撑的，由此选择D。同时该句表明有70%的肯尼亚成年人在使用移动货币的服务，所以C正确，故排除。第1段第1句表明移动货币的服务是由肯尼亚最大的移动通信运营商萨法利通信公司于2007年推出的，而该服务让人们能够使用手机汇款和收钱，从这一内容可以判断A、B正确，均排除。

单选题 Mobile money may bring to developing countries all of the following EXCEPT ______.
A. convenience B. safety
C. corruption D. inspiration

【正确答案】 C

【答案解析】[考点] 推理判断题
[解析] 由题干定位到文章第4段第2句“Mobile transactions are more traceable than cash, making it harder for corrupt officials to embezzle undetected”，由此可知，移动交易让贪官污吏想要不被发觉地挪用公款更为困难，这有利于减少贪污，所以C为正确答案。文章在第3段提到移动货币提供了便利并提高了安全性，给发展中国家在城市的打工者带来诸多好处，因此排除A、B，第4段的最后一句提到移动货币给一些新兴公司提供了基础，让它们创造出了新产品和新服务，故排除D。

单选题 According to Paragraph 5, the failure of launching M-PESA in many poor countries is because ______.
A. the ATMs there hinder its development B. Safaricom dominates the local market
C. the service is not popular among customers D. its suppliers are refused to let in

【正确答案】 D

【答案解析】[考点] 推理判断题
[解析] 由第5段第五六句可知，移动货币未能得到推广的糟糕原因是许多本可以从移动货币获益最大的贫穷国家似乎有意将供应商拒之门外，因此D为正确选项。从第5段第2句提到拥有自动提款机、信用卡和网上银行的富国，几乎用不到这项服务，所以排除A；而第5段第4句表明萨法利通信公司占据了当地市场，为移动货币服务提供了大量的潜在客户，这是在肯尼亚推广移动货币成功的原因，因此排除B。C在文中并未提及，故排除。

单选题 How to solve the security problem of users' money when using mobile money?
A. To restrict the number of transactions. B. To limit the value of transactions.
C. To let operators cooperate with banks. D. To let the governments use the service.

【正确答案】 C

【答案解析】[考点] 推理判断题
[解析] 由第7段可知，另外一个担忧是对消费者的保护：狡猾的运营商可能会盗钱。几个非洲国家采取的折中方案是让运营商和银行形成合作关系，可以判断，运营商可能会盗钱，这造成用户对其资金安全的担忧，而解决方法之一就是让运营商和银行合作，故C为正确选项。A在文中并未提及，所以排除；第7段提到的安全隐患是指移动货币被用来洗钱的问题，解决方法是限制交易额和存款总额，因此排除B；文章最后一段提到政府不应该拒绝移动货币而是利用它，故排除D。

单选题 The best title for the text is ______.
A. The Advantage of Mobile Money B. The Promotion of Mobile Money
C. The History of Mobile Money D. The Impact of Mobile Money

【正确答案】 B

【答案解析】[考点] 主旨大意题
[解析] 本题考查的是综合理解能力，整篇文章都是通过介绍肯尼亚的移动货币、移动货币服务在发展中国家的优点以及人们对该服务担忧的解决方案来强调应该在发展中国家推广该服务，因此B最符合题意。文章虽然介绍了移动货币的优点，但这只是用来说明应该在发展中国家推广该项服务的原因，所以排除A，文章开头只说明了移动货币于2007年由萨法利通信公司在肯尼亚公司推出，并未谈及其具体的发展历史，因此排除C，文章中谈到移动货币对发展中国家的影响，但这只是本文谈论的问题之一，因此排除D。