考研英语阅读理解中的文章，很多来自一些外刊杂志方面的题材。接下来，北京文都考研网为扩宽2020考研学子的知识面，整理了考研英语经济学人外刊:移动支付,正在改变世界，供考生参考。
2020考研英语经济学人外刊:移动支付,正在改变世界
Young people and their phones are shaking up banking
年轻人和他们的手机正在撼动银行业
Customer service is about to get a lot better, says Helen Joyce
海伦·乔伊斯说，客户服务将会变得更好
“I started the business because I love milk tea myself,” says Peng Yuxia. Meet the Cow, her shop in Hangzhou, 200km south-west of Shanghai, sells the cassava-based hot drink, also known as bubble tea, to passers-by—and, increasingly, to customers who pre-order on their phones.
彭玉霞说：“我之所以开这家奶茶店是因为我本身就喜欢喝奶茶。”在上海西南方向200公里外的杭州，她开了一家名为 Meet the Cow 的奶茶店，向路过的人们和在手机上预定的顾客(通过这种方式的越来越多)出售一种名为珍珠奶茶的、以木薯为原料制成的热饮。
Recently she signed up to a small-business programme run by Ant Financial, China’s biggest fintech firm, which has its headquarters nearby. Now customers can order in advance from within Alipay, Ant’s payment app, and she has seen total numbers rise from about 50 a day to nearer 70.
最近，她报名参加了由蚂蚁金服(一家总部位于杭州的、中国最大的金融科技公司)运营的一个小企业项目。如今，顾客们可以在支付宝(蚂蚁金服旗下的支付应用)中提前下单，彭玉霞发现每天的订单总数从50个左右增加到了近70个。
Payment is by scanning a QR (quick-response) code—so easy, she says, that a mother getting a pedicure next door can send a child in to order with her phone.
她说，支付是通过扫描QR码(快速响应码)来完成的，如此简单以至于一位在隔壁做足疗的母亲可以让她的孩子拿着手机来完成订单。
In another part of Hangzhou, Zeng Ping’en looks around his electric-moped shop with pride. A loan from MYbank, Ant’s digital bank, helped with the cost of redecoration. Applying took just a few minutes, he says: “A click on the phone and I got my money.”
在杭州的另一个地方，曾平恩骄傲地环顾着他的电动助力车店。网商银行(蚂蚁金服旗下的数字银行)的一笔贷款为他提供了重新装修店面的资金。而申请贷款只花了几分钟的时间，他说：“轻点了几下手机我就拿到了贷款。”
He can draw down and repay funds at his convenience; interest amounts to a few yuan a day—“easily affordable”. Since China’s long-established banks lend mostly to companies, without the MYbank loan he would have had to wheedle loans from his friends. “Electric-moped shops are getting fancier,” he says. “I’d lose out to the competition if I didn’t renovate.”
他可以在他方便时随时取用和还款;而每天几元的利息对他来说“很容易负担得起”。由于中国那些有着悠久历史的银行大多只向企业提供贷款，如果没有网商银行的贷款，他就只能花言巧语从朋友那借钱了。他说：“电动助力车店正在变得越来越时髦，如果我不重新装修店面，我将输给竞争对手。”
Ant’s origins lie in Alipay, set up in 2004 by Alibaba, then a newish e-commerce website, to make online payments easier. As Alibaba grew, its payment arm started to allow person-to-person transfers, and then purchases in bricks-and-mortar outlets.
蚂蚁金服起源于支付宝，支付宝是由阿里巴巴(当时的阿里巴巴是一家尚新的电子商务网站)于2004年创立的，旨在让在线支付变得更容易。随着阿里巴巴的发展，其支付业务开始允许个人对个人的转账，随后允许在实体店进行消费支付。
Alipay was spun off in 2011. Renamed Ant Financial in 2014, it is now one of the world’s biggest financial firms. Its most recent funding round, last year, valued it at $150bn. Alibaba holds a 33% stake.
支付宝于2011年被分离出阿里巴巴。2014年(由小微金服)更名而成的蚂蚁金服是目前全球最大的金融公司之一。去年最新一轮的融资使蚂蚁金服的估值高达1500亿美元。阿里巴巴持有其33%的股份。
Together with its main rival, WeChat Pay, which sits within WeChat, the country’s dominant messaging app, Alipay has transformed Chinese commerce—and everyday life. They have enabled China to leapfrog straight to mobile payments using QR codes, bypassing credit and debit cards.
支付宝与其主要竞争对手微信支付(位于中国主要的即时通讯应用微信内)一道改变了中国的商业和日常生活。在中国，正是它们的存在使得人们可以跳过信用卡和借记卡，直接使用二维码进行移动支付。
All manner of things can be done from within their apps, including buying tickets for flights, train journeys and films, calling a taxi, paying an electricity bill, ordering food and much more.
所有的事情都可以在微信和支付宝中完成，包括购买机票、火车票和电影票、打车、交电费、点外卖等等。
In the past five years Ant has expanded beyond payments and into other financial services. In 2013 it set up Yu’e Bao (“spare treasure”), a single-click, instant-access way to earn interest on excess Alipay balances by parking them in a money-market fund. By March 2018 the fund had 1.7trn yuan ($250bn) in assets, making it the world’s biggest money-market offering by a wide margin.
过去5年，蚂蚁金服已经突破了支付业务，进军到其他金融服务领域了。2013年，支付宝创立了余额宝，人们只需点击便可即取即用，将余额存入货币市场基金来赚取利息。截至2018年3月，该基金已经拥有1.7万亿元人民币(约合2500亿美元)的资产，成为了遥遥领先的全球较大的货币市场。
[重难点词汇]
wheedle ['widl] vt./vi. 以甜言蜜语诱惑;用甜言蜜语欺骗
outlet ['aʊtlɛt] n. 出口，排放孔;[电] 电源插座;销路;发泄的方法;批发商店
leapfrog ['lipfrɔɡ] n. 跳背游戏 v. 玩跳背游戏;越级提升;超过，超越;跨越(障碍)
margin ['mɑrdʒən] n. 边缘;利润，余裕;页边的空白 vt. 加边于;加旁注于
以上是北京文都考研网给出的“2020考研英语经济学人外刊:移动支付,正在改变世界”，希望对备考2020考研英语的考生有所帮助!祝2020考研顺利!
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