Banking by Text-空中英語教室
2025/05/31 15:35
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Banking by Text 簡訊處理銀行事務(上)
空中英語教室 20250530
(使用CapCut 自動字幕功能)
只要修正英文文法，保留原文，同時將簡體中文修改為繁體中文
Hello, friends.
My name is Anne Marie, and today is a great day to learn something new.
So let’s do that together!
My name is Garrett, and this is Studio Classroom.
We are talking about one of our sustainability goals today—
specifically, Sustainability Goal Number Ten.
Sustainability Goal Number Ten指的是聯合國永續發展目標（Sustainable Development Goals, SDGs）中的第十項目標。
目標10：減少國內及國家間的不平等
這項目標的核心在於促進社會、經濟和政治包容性，減少收入差距，並確保所有人，不論年齡、性別、種族、宗教或經濟背景，都能享有平等機會和待遇。
🔹 目標10的具體內容包括：
減少最富有者與最貧困者之間的收入差距
促進移民的安全與包容
採取政策促進社會與經濟包容性
確保發展中國家在全球決策中的代表性和發言權
We’re talking all about banking by text, right?
So, many of us do banking by going into a bank,
talking to someone who works there,
or by using an app or application on our phones.
Thats right. Usually, I just use the ATM
when I need to get money out of my bank account.
But for a lot of people around the world,
these options aren’t accessible.
Exactly. So today, we’re talking about one solution
that could help a lot of people all around the world.
It’s called mobile banking.
Let’s get right into our first reading for the day:
Banking by Text
Mobile banking offers financial services
to those in the world’s least developed places.
You buy coffee with a smartphone app,
and then drop by a local convenience store
to pick up a package purchased online with your credit card.
Don’t worry about the bill—
it’s covered by the direct deposit
made to your bank account by your employer.
For most people, everyday life is full of seamless financial transactions.
Access to these banking services
enables you to manage money, build credit,
and fully participate in the economy.
Without these essential tools, life is very different.
It’s harder to save,
more difficult to send or receive payments,
and tougher to access credit in times of need.
Hello, I’m Jack。今天的 Usage Tip 是without。
假名詞或動名詞的句型解析。
without是with的反義詞，表示「沒有」或「缺乏某人事物」。
without後面必須接名詞或動名詞來當作受詞，而這些名詞或動名詞，具有一定程度的重要性，甚至強調如果缺少這個必要的人、事物或行為時，將會產生負面的影響。
來看一個例句：
Without understanding the basics, students will find it difficult to learn advanced concepts.
如果不了解基礎知識，學生將難以學習進階概念。
We are talking all about banking by text.
Mobile banking offers financial services
to those in the world’s least developed places.
Before we move on, we need to define this word: mobile.
This is talking about the internet
when it’s accessed by mobile phones, handheld computers, and similar devices.
Exactly. There are a few different terms that start with this word mobile.
Here is a sentence using one of them:
I used my mobile wallet to pay for groceries at the store.
A mobile wallet is kind of like a wallet you store on your phone
with all of your credit card information.
Very interesting. Mobile has the idea that it can be done from a device.
Exactly. It is easy to use.
Mobile banking offers financial services
to those in the world’s least developed places.
And we get into our article now:
You buy coffee with a smartphone app,
and then drop by a local convenience store
to pick up a package purchased online with your credit card.
These are very common things that we do every day.
We read on: Don’t worry about the bill.
Now, if you see this phrase “don’t worry,” what do you think of, Garrett?
Well, I think of someone who doesn’t have too many worries in their life.
When someone says “don’t worry” to you,
they’re telling you to relax and not be stressed.
Exactly. For example:
Don’t worry too much if people like you or not.
But we read on here:
The bill is covered by the direct deposit made to your bank account by your employer.
And when we’re talking about direct deposit,
we’re talking specifically about something that happens when you’re banking—
this is the electronic transfer of money
from one bank account to another,
specifically when you are paid your salary from your job.
So these days, most companies transfer your salary
to your bank account using a direct deposit.
Exactly. And this is a common thing—
most people don’t even think about it.
For most people, everyday life is full of seamless financial transactions.
This word seamless is a good one for us to talk about.
Think of your clothing.
There are lots of seams where they’ve been sewn together.
But here, this word means perfectly smooth and consistent.
There aren’t any troubles or difficult things you need to do.
Here’s another example:
The movie’s transition from scene to scene was seamless.
It’s like you don’t even notice those transitions.
Well, here’s another word that sounds like transition—transaction.
Now this word sounds like a long word,
but it’s very simple. It just means to buy or sell something.
So here’s an example:
The transactions were completed instantly with a credit card.
Okay, we read on here:
Access to these banking services enables you to manage money, build credit, and fully participate in the economy.
Right, so you can do a lot just through these simple, seamless transactions.
Exactly.
And here’s today’s usage tip, friends:
Without these essential tools, life is very different.
It’s harder to save,
more difficult to send or receive payments,
and tougher to access credit in times of need.
And this is true for a lot of people around the world—
they don’t have access to some of those things
the rest of us take for granted or assume that everyone has.
Well, friends, there’s more to learn,
so let’s get into our next reading:
Banking by Text
For millions in underdeveloped areas,
access to formal financial services remains a major hurdle.
Traditional banks rarely reach these locations,
leaving residents without options
for performing what are routine transactions elsewhere.
This gap traps many in cycles of poverty,
limiting their purchasing power
and forcing reliance on informal cash-based practices
that carry risks and hinder economic stability.
我們先來看 Hurdle 這個名詞，意思是「障礙」。
例如：
One hurdle for people hoping to find a mate is the lack of public places where people come together to have fun.
對於希望找到伴侶的人來說，其中一個障礙是缺乏讓人們可以聚在一起玩樂的公共場所。
或是：
Ben was trying to start his own restaurant, but one hurdle he had to overcome was the price of renting a building.
Ben 試著想要開自己的餐廳，但他必須克服的一個障礙就是店鋪的租金。
Hurdle 也指跨欄比賽中的欄架。
譬如：
We cheered for my brother as he gracefully jumped each hurdle without breaking his stride.
我弟弟優雅地跨越每個欄架，沒有中斷他的步伐時，我們都為他歡呼加油。
Alright, friends.
We already mentioned today that for some people around the world, banking can be difficult.
We’re going to find out about some of those reasons right now.
Let’s talk about where these people are that have these struggles.
We read that they are in underdeveloped areas.
Now, development is the building up of resources, buildings, and an economy.
So underdeveloped means not fully grown or advanced.
For example, you could say:
My arm muscles are underdeveloped. I don’t have very big arm muscles.
So you would need to go to the gym to fix that.
Exactly!
Alright, but we read on here, friends:
For millions in underdeveloped areas, access to formal financial services remains a major hurdle.
Now, you saw that word hurdle already in your Language Lab today.
But the one that I want to look at, friends, is this word: formal.
In this situation, formal means to be official or recognized.
You might hear:
My boss gave me a formal warning after I showed up to work late again.
Oh, that is not good at all.
So we see here in this sentence that there are some people, and they are in underdeveloped areas of the world—
places that have not developed as much as other locations.
They might not have those big banks with ATMs,
and they might not have good internet services on their cell phones.
So traditional banks rarely reach these locations, leaving residents without options.
Isn’t that right?
Yeah, that’s right.
So we see this word residents here—and what does that mean?
A resident is someone who lives somewhere.
That could be a resident of a country or the resident of one specific building.
Here’s an example of how you could use the word resident in a sentence:
The residents of that area do not want another high-rise going up.
So these residents don’t have many options for performing what we might consider routine transactions in other parts of the world.
That’s right.
And the issue is that, as this problem continues, we get stuck in a cycle.
This gap traps many in cycles of poverty, limiting their purchasing power and forcing reliance on informal, cash-based practices.
Now, when we’re talking about reliance here, friends,
we’re talking about the idea that you are dependent or trusting in someone or something.
So, you probably all know that our reliance on technology has grown,
making it difficult to live life without internet access.
And because these people are in these cycles of poverty,
they are relying on cash-based practices.
These carry risks and they hinder economic stability.
Right. If you pay for things with a credit card, there’s a little bit less risk.
Sometimes you can cancel bad payments, but you can’t do that with cash.
That’s right.
And we see this word hinder here, friends. Let’s talk about that.
So the word hinder here means to make access or progress difficult.
Here’s an example:
What is hindering him from going to college?
The idea here is: what is keeping him from going to college?
And these hindrances could be many different things.
For example, money, or maybe his parents don’t want him to go to college.
But what we’re talking about in this article
is the fact that not being able to bank like the rest of the world does
hinders people’s economic stability.
And if you don’t have economic stability,
it’s hard to have economic growth and to improve your life.
So that’s why we have this goal—to help these people out.
Friends, we also hope this next thing helps you out.
It’s today’s Info Cloud!
Hello, friends! Welcome to Info Cloud.
Garrett, have you ever noticed how some people seem to always get what they want just because they have a lot of money?
Hi, Rex. Yes, I have noticed that.
And today we’re actually talking about the related phrase: money talks.
Exactly. When we say money talks,
we think that money has influence.
It can open doors, sway decisions,
and sometimes even silence objections.
It’s a cynical but often true observation about the world.
For instance, a company might prioritize a wealthy client’s demands because—well—money talks.
And it’s not just businesses.
In politics, donors with deep pockets often get more access to decision-makers.
It’s a reflection of how money can shape outcomes.
True. But the phrase doesn’t always carry a negative tone.
Sometimes, it simply acknowledges the reality that money is a powerful tool.
Like, if someone funds a charitable project,
they’re using their money to make things happen.
Money talks—in a good way!
The origins of the phrase are pretty straightforward.
If you want something to happen, you might try to convince others by talking to them.
But if your words don’t work—money might.
Ugh! Whether it’s fair or not,
money often has a voice louder than words.
But it’s worth remembering that how you use money
says a lot about you, too.
money talks 強調金錢的影響力(它能夠影響局勢或決策)
money talks 強調金錢的影響力(它能夠影響局勢或決策)
錢是一個非常重要的話題，今天我們來分享 "money talks" 這個用語。
Money talks 的意思是「金錢會說話」或是「錢說了算」。
當有人說 money talks，他是在強調金錢的影響力——它能夠影響局勢或決策。
例如：
They prioritize a wealthy client’s demands because money talks.
他們會優先服務有錢的客戶，因為錢說了算。
在政治環境中，資金雄厚的捐贈者通常會獲得更多與領導人接觸的機會。
這也反映了金錢如何影響結果。
這就是今天的 Info Cloud，那麼下次雲端見！
Banking by Text
Banking by Text
Addressing this financial divide is a key element of Sustainable Development Goal Ten,
which aims to reduce inequalities within and among countries
by making financial services accessible in underserved communities.
Mobile banking is closing the economic gap that restricts opportunities in rural areas.
It empowers individuals to participate more fully in the economy,
reduces income inequality,
and fosters growth in rural regions worldwide.
接下來看名詞 inequality，意思是不平等。
例如：
Reducing educational inequality between major cities and rural areas is the politician’s main talking point.
縮小城鄉地區之間的教育不平等，是這位政治人物的主要政見。
或是：
The inequality in how the parents treated their oldest daughter versus their second daughter led to a lifelong sibling rivalry.
父母對待大女兒和二女兒的不平等，導致了姐妹之間一輩子的競爭。
另外來看一個相關的形容詞 unequal，它是 equal 的反義詞，意思是不平等的或是不均等的。
例如：
The two sides of this math equation are unequal, so you’ll need to try again to solve it.
這個數學方程式的兩邊不相等，所以你需要再解一次。
Alright, thank you so much, Jack.
Let’s get right into it, friends.
We see:
Addressing this financial divide is a key element of Sustainable Development Goal Ten.
And now we see this word divide, and we want to talk about it.
This is talking about a difference between two different groups.
Exactly.
We heard the word gap earlier,
which was talking about this same thing.
Here’s an example to use this word:
There’s a digital divide between urban and rural areas.
Okay, so this financial divide is something that Sustainability Goal Ten is trying to address.
Exactly.
So we continue:
This Development Goal Ten aims to reduce inequalities within and among countries.
That’s right.
By making financial services accessible in underserved communities,
mobile banking is closing the economic gap that restricts opportunities in rural areas.
There are so many things to look at in this sentence.
First, we want to talk about the idea of something being accessible.
Something being accessible, or having the ability to get access—
this word means it’s easy to reach or to use.
Now, we can talk about this as it refers to physical items.
For example:
Please put the pen and paper in a place where they are accessible to everyone.
But we often use this word to talk about other thoughts and ideas and things as well.
Exactly—like these services that you could get from a bank.
We all have very easily accessible services if we live in big cities,
but that’s not true in these underdeveloped areas.
Exactly.
But we see here that mobile banking is closing the economic gap.
Now what does it mean if you are “closing the gap,” friends?
It means you are reducing or eliminating a difference
between two groups of people or things.
Right. Let’s give an example for this one:
The program aims to close the education gap by providing additional resources.
Okay, and how is mobile banking helping, friends?
We see:
It empowers individuals to participate more fully in the economy.
Now empower—this is a good word to know, right?
It’s kind of like giving power.
This word empower means to give someone confidence or control over their actions.
For example:
His parents empowered him to make his own decisions.
Exactly.
So that might be giving physical resources like money,
or just giving someone confidence—encouraging them
so they can do what they want to do.
Now we see here that mobile banking is also fostering growth in rural regions worldwide.
This word foster is a great verb that we can learn together, friends.
It means to encourage the development of something.
Kind of like that word empower—you’re allowing something else to happen.
Here’s an example:
The teacher worked hard to foster a love of reading in her students.
Alright, friends, we have learned a lot about this Sustainability Goal Number Ten today.
And there is more to learn tomorrow.
But first, let’s go do something fun—
It’s time for today’s Fun Fact!
Hello, fact friends!
I am Detective Ernest Finder, and I have a fun fact for you today!
Did you know that one of the world’s first banks opened in Barcelona in 1401?
It’s true! Barcelona is in Spain.
And the oldest bank that is still open is in Buenos Aires, Argentina.
It opened in 1822, and I think you can still go there!
That is today’s Fun Fact.
Alright, friends, this has been a very interesting topic.
And it was new to me.
I didn’t realize how important banking was around the world—
and how it wasn’t accessible to everyone.
Right. There are so many services or products
that we have in our daily lives that we think everyone has access to,
but really, they’re not that accessible to some.
That’s right. I really learned today that this is one of the Sustainability Goals—
specifically Goal Number Ten—
and that is so that people all around the world
can have access to the same things.
And I think one of the key words today was that word stability.
If you can put your money in a bank and have it be safe,
then your life can be stable, and you can grow off of that.
Whereas if you’re using cash, it’s a little more risky.
That’s a really good point.
Alright, friends, we have more to learn about this tomorrow,
so make sure you come back and join us!
That’s all the time we have for today.
My name is Anne Marie—
And my name is Garrett.
We’ll see you next time right here on Studio Classroom.
Bye!
Banking by Text 簡訊處理銀行事務(下)
Banking by Text 簡訊處理銀行事務(下)
空中英語教室 20250531
(使用CapCut 自動字幕功能)
只要修正英文文法，保留原文，同時將簡體中文修改為繁體中文
hello friends
my name is Anne and Marie
and today is a great day to learn something new
so let’s do that together. My name is Garrett,
and this is Studio Classroom. We are learning all
about Sustainability Goal Number Ten.
We’re talking about banking by text—yeah!
Our title is "Mobile Banking,"
which might make you think of using a
banking app on your phone.
That’s not quite what we’re talking about. No,
we’re talking about how all
around the world, people don’t always have access to banks,
ATMs, or ways they can pay for things without cash.
Exactly. So,
this new service, mainly through text messages,
can help a lot of people. Exactly!
We’re going to learn all about what exactly
it is today, friends.
So let’s get into our first reading for the day:
Banking by Text
At its core, mobile banking is simply banking
that’s done via phone
instead of by a visit to a physical bank branch.
For most, this is typically done through a smartphone app.
But that’s where things get tricky.
If you live in a place that doesn’t have banking services,
you often don’t have access to smartphones
or stable internet connections either.
As a result, platforms in many underdeveloped areas
offer services that work through text messages
sent by basic mobile phones.
Hello, I’m Jack。今天的 usage tip 是什麼？
not... either 與 neither 或 nor 的句型。
如果要同意前面提到的否定句，可以用 either，並且把它放在句尾。
neither 或 nor本身就已經含有否定概念，會放在句首，後面會接助動詞或 be 動詞加主詞的倒裝結構。用法會比較正式。
但是否為助動詞或是 be 動詞，要以句前面的句子來做決定。
所以課文這句可以改為：
If you live in a place that doesn’t have banking services, neither do you have access to smartphones.
我們來看個例句：
He is not happy with the decision, and we aren’t either.
他不滿意這個決定，我們也不滿意。
這句也可以寫成：
He is not happy with the decision, and neither are we.
All right, friends, how exactly does banking by text work?
That’s what we’re talking about now.
And we start our article off with a fun phrase.
The phrase is "at its core."
At its core, mobile banking is simply banking that’s done
via phone instead of by a visit to a physical bank. Okay,
so let’s talk about what this phrase "at its core"
means.
This is the basic and most important part of something. Yeah,
a core is the middle of something—
like the middle part of an apple that you don’t eat.
That’s an apple core.
So we can say:
At its core, this book is all about friendship.
Okay, and what is mobile banking all about?
It’s that you do it by phone—
you don’t do it by going into a bank.
And we see a term here that we need to talk a bit about:
this word "via."
Via (or you might hear it pronounced "vee-uh")
are two different ways to pronounce the same word.
It means “by way of” or “through” something.
For example,
you could say:
We flew in via Tokyo.
(We came in by way of Tokyo.)
Or:
I learned English via music videos.
Very interesting!
Okay, so we continue reading here.
For most, this is typically done through a smartphone app.
That’s totally true.
The banking that I do definitely uses a smartphone app, right?
You can use a smartphone app or go to an ATM.
But for some people, that’s not true.
That’s where things get tricky. Okay—
get tricky—we have to talk about this term.
To get tricky means to be difficult to deal with,
or it’s something that requires
special attention or special skill to deal with.
Here’s an example:
Simple tasks can get tricky when too many people are involved.
Okay, so here what’s getting tricky is this smartphone app
and not being able to use it in rural areas.
If you live in a place that doesn’t have banking services,
you often don’t have access to smartphones
or stable internet connections either. Right—
even if you have a smartphone,
your internet connection might not work very well.
So you don’t have access to those services.
You don’t have a stable internet connection.
That word "stable" means it’s steady
or not likely to change.
We could use this word stable for things like internet
connections, but we can use it for physical things as well.
For example:
Don’t stand on that chair—it’s not very stable.
The chair might fall over or it might break.
So you want steady or stable
internet connections when you’re using these
banking services.
Some people don’t have access to those connections.
And as a result,
platforms in many underdeveloped areas
offer services that work through
text messages. Very interesting!
So you’re not really going to an app on your phone—
you’re banking through a text message. Exactly.
So it’s probably not quite as easy to use. Text messages
won’t have colorful buttons or
easy-to-use interfaces.
And we see here that we’re not
using smartphones to do this—people can use
basic phones. These phones maybe
don’t even have a screen or something like that. Yeah,
you just flip it open.
Hopefully there’s somewhat of a screen
so you can see those messages,
but there won’t be too many features. That’s right!
All right, friends, well—
we’re going to learn more about this in just a moment.
Right now, let’s go to our next reading:
Banking by Text
Users register and link their mobile phone number
to their bank account,
which then enables them to access services
by sending specific commands to a designated number.
The different commands allow customers to check balances,
transfer funds,
pay bills, and even apply for loans.
These services are designed to be user-friendly,
making it easier for individuals with
varying levels of financial literacy
to benefit from the banking system.
我們先來看 designate 這個動詞。它的意思是「指定」。
來看例句：
No one was surprised when he was designated as team captain after the leadership he had shown during the game.
他在比賽中所展現出的領導能力讓他被指定為隊長，沒有人感到意外。
Designate 的過去分詞 designated 可以當作形容詞使用，意思是「指定的」。
例如：I don’t drink alcohol, so I’m always the designated driver at New Year’s Eve parties.
我不喝酒，所以在除夕派對上，我總是當指定駕駛。
或是：The students groaned when the teacher informed them that there would be designated seating because of their unruly behavior.
當老師告訴學生們，因為他們不守規矩，所以要被指定座位時，他們都發出抱怨聲。
So how does banking by text messaging work?
Let’s find out.
Users register and link their mobile phone number to
their bank account.
Alright, before
we move on, let’s talk about this word register.
If you register
something, it means that you’re
entering or recording it as official
on some type of list.
Right, you often register for things online.
You might say: I need to register
for the program before midnight tonight.
Some people
register to vote — they sign up on an official list.
So here, we’re talking about registering to do
banking by text messaging.
So what they’re doing
is entering their mobile phone number
and their bank account
information. That way,
the service has the information it needs,
and that enables these people to access services
by sending specific commands to a
designated number.
Alright, now
we see a word here that we want to take a look at,
and that is the word enable.
Exactly. So, to enable something means to make something
possible. The program
enabled them to connect with all students in the school.
It allowed them or gave them the resources they needed
to do that.
So this enables people to access services
by sending specific commands to a designated number.
Now, the different commands allow customers to check balances,
transfer funds,
pay bills, and even apply
for loans. These text messages can do all
different kinds of things.
Let’s talk about some of the words here
in this sentence, friends.
We see this word
commands. Now, in this context,
we’re talking about some kind of signal or instruction
that’s given to a computer to make it perform a basic function.
Right. You say something specific,
and it gives you a specific result. You might say:
Be sure to click on the save command in the File menu
so you don’t lose your document.
Exactly. So some of the commands that are
used in this system
can help you check the balance of your account,
transfer funds to another account,
pay your bills,
or apply for loans.
Now, apply for is the next thing
we want to look at.
To apply for a loan—when you
apply for something, you ask for it formally.
Maybe you send in a letter
or fill out a form on the internet.
For example: Do you plan to apply for the scholarship?
Scholarships are something else that you can apply for.
Exactly. And many people do want to apply for loans.
They want to get some money to start a business
or to cover some costs they already have.
This might be something that wasn’t always available
to people in underdeveloped areas.
So banking by text can really help them
start to get a move on these dreams.
How does our lesson continue? Well,
they want these services to be somewhat easy to use.
We read: These services are designed to be user-friendly.
That is a fun phrase.
It is! If something is user-friendly,
it means that it is easy to use or easy to understand—
it’s friendly to its users.
The new app is very user-friendly,
so everyone can use it. There’s an example for you.
Alright,
making it easier for individuals with
varying levels of financial literacy
to benefit from the banking system.
你們可能記得我們在上個月討論過 financial literacy（財務素養），朋友們。這是你理解金錢運作方式的能力。
是的，或者說是理解不同的金融服務以及如何與銀行打交道。
這對於這些地區的人來說可能不容易，所以這些服務設計得易於使用是很重要的。
Alright friends, we have more to learn in
just a minute. We’ll be right back after today’s Info Cloud.
Hello friends, welcome to Info Cloud.
Rex, have you ever heard someone say
they’re “in the black” when talking about their finances?
Yes, I’ve heard that phrase a few times.
Let’s talk about what it means today.
Great idea!
When someone says they’re in the black,
it means they’re making a profit
or their finances are in good shape.
The opposite phrase
that you use when you are losing money or
in debt is in the red.
Exactly. It comes from old bookkeeping practices.
In the past,
accountants used to record profits
in black ink and losses in red ink.
So if you were in the black,
it meant your business was doing well financially.
That’s a clever system!
I suppose the phrase has stuck because it’s such a clear
visual image — black ink for profit,
red ink for loss.
It’s easy to remember.
I agree.
And you can use it in everyday conversation too. For example:
If a business has a great quarter,
you might hear someone say they’re really in the black
now that they have that big contract.
That’s definitely better than saying
they’ve been in the red since they lost that contract.
Friends, we hope your finances are in the black,
and that we see you again soon for another Info Cloud.
in the black or in the red 盈餘或虧損
in the black or in the red 盈餘或虧損
不管是個人或是一家公司的財務狀況，都可以用 in the black 或是 in the red 來形容。
In the black 代表用黑筆寫下來的記錄，
in the red 則是用紅筆寫的。
以前的記帳方式會用黑筆記錄利潤，紅筆記錄虧損的數字。
因此，in the black 就是盈餘，in the red 就是虧損。
They’re in the black because they have that big contract.
他們拿到合約訂單之後，現在財務狀況良好。
這就是今天的 Info Cloud，那麼下次雲端見！
Banking by Text
Banking by Text
Enabling individuals to conduct banking transactions
through text messages
provides a simple and cost-effective solution
for managing finances using mobile banking.
It also serves as a model
for the extension of other key services
to underserved areas.
Overall, mobile banking has proven to be a powerful tool
for enhancing financial inclusion,
propelling positive change
in the lives of individuals and families,
and promoting economic stability within communities.
接下來我們來看 extension 這個名詞，意思是「延長」。
例如：
The student requested an extension on his research paper due to a death in the family.
這名學生因為家中有人過世，而請求延長研究報告的繳交期限。
Extension 的動詞是 extend，意思是「延長」。
例如：
The holiday was extended another day because of the powerful typhoon.
由於強颱的影響，假期被延長了一天。
它的形容詞是 extensive，意思是「廣泛的」或「全面的」。
比如：
After extensive research, I decided to apply to these three universities.
經過廣泛的研究，我決定申請這三所大學。
All right, friends, we have a little bit more to learn
about mobile banking now.
We’ve already learned a lot.
We found out that you don’t need a smartphone to do this,
that you can actually
enter commands on a basic phone
and do all sorts of different things.
Right. And an important thing here is
we’re talking about people in underdeveloped areas,
where they don’t have as many resources,
and these services can’t be expensive for them.
Exactly. So how does our lesson continue, friends?
We see here:
Enabling individuals to conduct
banking transactions through text messages
provides a simple and cost-effective solution.
Let’s stop there for just a moment
to talk about the idea of something being cost-effective.
This means that something is very productive
in relation to its cost.
Here’s an example:
Taking the bus is a cost-effective way to commute to work.
Now keep in mind:
cost-effective doesn’t necessarily mean “really cheap.”
That’s right.
It could just mean that for what you’re getting,
this is a good price that makes it worth it—
there’s a good rate to it.
Exactly. So we see here that
being able to bank through text messages is very cost-effective.
And this helps people manage their finances using mobile banking.
It also serves as a model
for the extension of other key services to underserved areas.
Now, model here is not talking about the job of taking pictures.
It means a person or thing that is a good example
for others.
That’s right. Here’s how you could use this version of model in a sentence:
Her work is a model of what not to do.
Her work is an example of what you shouldn’t do.
Now I think this makes a lot of sense,
because often governments or other groups
want to do some sort of program in an underserved area
that involves giving money to groups there.
And if they can use this
mobile banking to transfer those funds,
that will make things easier.
That’s a really good point.
I can see how this way of banking could benefit
all different kinds of people.
Exactly. All right, friends, let’s continue.
Overall, mobile banking has proven to be a powerful tool
for enhancing financial inclusion.
Okay, inclusion — something that we need to talk about, friends.
Here, we are talking about the practice or policy of providing
equal access to opportunities
and resources.
And this is to people who would usually be excluded.
Exactly. So exclude is the opposite of include.
A school might try to promote inclusion by offering services to
groups or people
that didn’t have access to resources previously.
Exactly. And what is this doing?
This is propelling positive change
in the lives of individuals and families.
Now, if something is being propelled, what does that mean?
Well, it makes me think of one of those older planes
that has propellers on it—
they’re the blades that spin around
and push the aircraft forward.
Now, to propel something means to push or move it forward.
This can be for ideas, too.
That’s right. So, for example,
Someone could be propelled to success
by the encouragement of someone else.
They are pushed towards success.
Yeah. They’re encouraged.
They’re empowered.
We have a lot of great words like this
in our lessons. That’s right.
The end of this sentence reads:
Propelling positive change in the lives of individuals and families,
and promoting economic stability within communities.
All right, we want economic stability,
and then eventual economic growth in these areas,
so that everyone on Earth
has the best chance they can have
to lead a successful and happy life.
That’s right.
All right, friends, we’ll be right back after
today’s Fun Fact.
Hello Fact Friends,
I’m Detective Ernest Finder and I have a fun
mobile banking fact for you today!
Did you know that online banking officially began in October 1994?
It’s true—it’s been around for a while!
But the first credit card was launched in 1950
and was made of paper.
Since then, there’s been a lot of trouble
—but that is today’s Fun Fact!
All right, friends,
it’s the end of our lesson,
which means it’s time for our
Talk About It Question.
Are you ready?
I’m ready! Okay:
How does mobile banking help individuals in underserved communities?
Remember, this is through text message.
It doesn’t sound like the most convenient thing to me.
It sounds more difficult than using an app.
But a lot of these people
didn’t have any access to these resources before.
That’s right. So for them,
this really is an improvement
and helps with that inclusion
to the things that everyone else has in the world.
Well friends, that’s all the time we have for today.
My name is Anne Marie,
and my name is Garrett.
We’ll see you next time, right here on Studio Classroom.
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