3. In your opinion, what are the advantages and disadvantages of cashless transactions?

3.在你看來，無現(xiàn)金交易的優(yōu)點和缺點是什么？?

As countries enter the modern and high-tech era, cashless payments have many advantages that are worth considering.

隨著各國步入現(xiàn)代化和高科技時代，無現(xiàn)金支付有很多優(yōu)勢值得思考。

The benefits of cashless transactions. Firstly, it is convenient for everyone. You no longer have to worry about forgetting to bring the money, nor do you have to worry about losing it.Secondly, when consumers make more transactions through credit cards, the issuing company will provide users with various types of preferential measures.

無現(xiàn)金交易的好處。第一，方便大家。你再也不用為忘記帶錢而煩惱，也不用擔(dān)心錢會丟了。第二，當(dāng)消費(fèi)者通過信用卡進(jìn)行更多交易時，發(fā)行公司會向用戶提供多種類型的優(yōu)惠措施。

The drawbacks of cashless transactions. Cash free payments mainly use the internet, which means that the system may have vulnerabilities that are vulnerable to hacker attacks. Hackers may break into the system and steal users' financial information.

無現(xiàn)金交易的缺點。無現(xiàn)金支付主要使用網(wǎng)絡(luò)，這意味著系統(tǒng)會存在容易受到黑客攻擊的漏洞。黑客可能會闖入系統(tǒng)并竊取用戶的財務(wù)信息。

Cashless simplification simplifies a person's life and validates and formalizes various transactions. This helps to limit corruption and the flow of black money, thereby promoting Economic expansion. In addition, the printing and transportation costs of paper currency have been reduced due to the lack of cashing.

無現(xiàn)金化簡化了一個人的生活，并對各種交易進(jìn)行了驗證和形式化。這有助于限制腐敗和黑錢流動，從而促進(jìn)經(jīng)濟(jì)擴(kuò)張。此外，紙幣的印刷和運(yùn)輸成本由于無現(xiàn)金化而降低。

Having no cash at all can bring some risks. One of the biggest problems is that if power or communication networks fail, the entire economy may collapse. Criminals are using increasingly complex technologies to steal digital currency by invading bank databases.

完全無現(xiàn)金會帶來一些風(fēng)險。最大的問題之一是，如果電力或通信網(wǎng)絡(luò)出現(xiàn)故障，整個經(jīng)濟(jì)可能會崩潰。犯罪分子正在使用越來越復(fù)雜的技術(shù)通過侵入銀行數(shù)據(jù)庫來竊取數(shù)字貨幣。

Various security issues constrain the development of a cashless society and further improvement is needed. With the continuous improvement of mobile payment, I believe that this problem will be solved in the future.

種種安全問題制約著無現(xiàn)金社會的發(fā)展，還需要進(jìn)一步完善。隨著移動支付的不斷完善，我相信在未來、這種問題會得到解決的。

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