There are few comers of the world where electroruc 28_____ are not growing faster than cash.But the movement away from cash is happening in very different ways and at 29_____ paces around the world. Scandinavian (斯堪的纳维亚的) countries are already wellalong the road toward 30_____ societies.
Many banks in Sweden no longer have cash on hand，and consumers can make instant transfers directly from their bank accounts.
In Kenya，the local mobile phone company Safaricom，not the banks or the government，has pushed the envelope.Safaricom created a system，known as M-Pesa，that allows customers to make payments 31_____ from their phones.
The 32_____ of moving away from cash have been trumpeted (鼓吹) by economists like Kenneth Rogoff,who wrote The Curse of Cash，about how paper money enables 33_____ and tax evasion. But the critics of cash have been met by their own critics，who argue that electronic payments can disenfranchise (剥夺某人的权利) poor people who 34_____ easy access to bank accounts and the internet and can make it much easier for governments and corporations to monitor a person's every step.
In the end，though，the future of money is less likely to be determined by these arguments than to be 35_____ by the success of technologists making it easier for you to pay for your lunch or morning coffee without pulling out your wallet.
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