雅思阅读真题+题目+答案：Money transfers by mobile

雅思阅读真题+题目+答案：Money transfers by mobile

A 　　 The ping of a text message has never sounded so sweet. In what is being touted as a world first, Kenya ’ s biggest mobile operator is allowing subscribers to send cash to other phone users by SMS. Known as M-Pesa, or mobile money, the service is expected to revolutionise banking in a country where more than 80% of people are excluded from the formal financial sector. Apart from transferring cash--a service much in demand among urban Kenyans supporting relatives in rural areas---customers of the Safaricom network will be able to keep up to 50000 shillings ( ￡ 370) in a “ virtual account ” on their handsets.

B 　　 Developed by Vodafone, which holds a 35% share in Safaricom, M-Pesa was formally launched in Kenya two weeks ago. More than 10000 people have signed up for the service, with around 8 minion shillings transferred so far, mostly in tiny denominations. Safaricom ’ s executives are confident that growth will be strong in Kenya, and later across Africa. “ We are effectively giving people ATM cards without them ever having to open a real bank account, ” said Michael Joseph, chief executive of Safaricom, who called the money transfer concept the “ next big thing ” in mobile telephony.

C 　　 M-Pesa ’ s is simple. There is no need for a new handset or SIM card. To send money you hand over the cash to a registered agent-- typically a retailer-who credits your virtual account. You then send between 100 shillings (74p) and 35,000 shillings ( ￡ 259) via text message to the desired recipient--even someone on a different mobile network-- who cashes it at an agent by entering a secret code and showing ID. A commission of up to 170 shillings ( ￡ 1.25) is paid by the recipient but it compares favourably with fees levied by the major banks, whose services are too expensive for most of the population.

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Questions 1-4

The text has 5 paragraphs (A-E). Which paragraph contains each of the following pieces of information?

1 . ————A possible security problem.

2 . ————The cost of M-Pesa.

3 . ————An international service similar to M-Pesa.

4 . ————The fact that most Kenyans do not have a bank account.

Questions 5-8

Complete the following sentences using NO MORE THAN THREE WORDS from the text.

5 . Safaricom is the ______ mobile phone company in Kenya.

6 . An M-Pesa account needs to be credited by ______.

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