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①　Given the advantages of electronic money, you might think that we would move quickly to the cashless society in which all payments are made electronically. ____1____, a true cashless society is probably not around the corner. Indeed, predictions have been ____2____ for two decades but have not yet come to fruition. For example, Business Week predicted in 1975 that electronic means of payment would soon “revolutionize the very ____3____ of money itself,” only to ____4____ itself several years later. Why has the movement to a cashless society been so ____5____ in coming?

②　Although electronic means of payment may be more efficient than a payments system based on paper, several factors work ____6____ the disappearance of the paper system. First, it is very ____7____ to set up the computer, card reader, and telecommunications networks necessary to make electronic money the ____8____ form of payment. Second, paper checks have the advantage that they ____9____ receipts, something that many consumers are unwilling to ____10____. Third, the use of paper checks gives consumers several days of “float” – it takes several days ____11____ a check is cashed and funds are ____12____ from the issuer’s account, which means that the writer of the check can earn interest on the funds in the meantime. ____13____ electronic payments are immediate, they eliminate the float for the consumer.

③　Fourth, electronic means of payment may ____14____ security and privacy concerns. We often hear media reports that an unauthorized hacker has been able to access a computer database and to alter information ____15____ there. The fact that this is not an ____16____ occurrence means that dishonest persons might be able to access bank accounts in electronic payments systems and ____17____ from someone else’s accounts. The ____18____ of this type of fraud is no easy task, and a new field of computer science is developing to ____19____ security issues. A further concern is that the use of electronic means of payment leaves an electronic ____20____ that contains a large amount of personal data. There are concerns that government, employers, and marketers might be able to access these data, thereby violating our privacy.

1.1.

A Moreover

B However

C Therefore

D Otherwise

解析：选B。1.B 考查逻辑关系（转折状语从句的引导词）。首句指出电子货币的优势，并推导出“我们可能会快速进入无现金社会”。空格后句意为“真正的无现金社会可能不会马上到来”，与前文构成明显的转折关系。因此选择表转折的“However”（然而）。

2.2.

A off

B back

C over

D around

解析：选D。2.D 考查固定搭配与介词用法。`predictions have been around` 是固定表达，意为“预测已经存在了”。`be around` 在此表示“存在，流传”。其他选项无法构成此意。

3.3.

A power

B concept

C history

D role

解析：选B。3.B 考查名词辨析与上下文语义。本句说电子支付方式将彻底改变货币自身的“____”。电子支付改变的是货币的形态和使用方式，即人们对货币的“概念”（concept），而非其“权力”、“历史”或“角色”。

4.4.

A reverse

B resist

C resume

D reward

解析：选A。4.A 考查动词辨析与上下文逻辑。前文说《商业周刊》预言电子支付将“革命化”，空格后是“itself”（指杂志自己）。`only to do sth.` 表示出乎意料的结果。几年前才做出革命性预言，几年后却“推翻”或“否定”了自己的说法，符合逻辑。`reverse oneself` 意为“改变主意，反转立场”。

5.5.

A silent

B sudden

C slow

D steady

解析：选C。5.C 考查形容词辨析与段落主旨。第一段核心在讨论无现金社会为何迟迟未到，并举了预言失败的例子。因此，向无现金社会的迈进应该是非常“缓慢的”（slow）。

6.6.

A for

B against

C with

D on

解析：选B。6.B 考查介词搭配与上下文语义。`work against` 意为“对…不利，阻碍”。本句意思是：尽管电子支付更高效，但有几个因素“阻碍了”纸币支付系统的消失。`work for`（为…工作）、`work with`（与…合作）、`work on`（从事于）均不符合文意。

7.7.

A expensive

B imaginative

C sensitive

D productive

解析：选A。7.A 考查形容词辨析与常识判断。建立计算机、读卡器和通信网络需要巨大的资金投入，因此这是非常“昂贵的”（expensive）。

8.8.

A similar

B original

C temporary

D dominant

解析：选D。8.D 考查形容词辨析与上下文语义。建立这套昂贵的系统，目的是为了让电子货币成为“主导的”、“占支配地位的”（dominant）支付形式。

9.9.

A collect

B copy

C provide

D print

解析：选C。9.C 考查动词辨析与常识。纸质支票的一个优势是它能“提供”（provide）收据。这是支票的基本功能。

10.10.

A give up

B take over

C bring back

D pass down

解析：选A。10.A 考查动词短语辨析与上下文语义。消费者不愿意“放弃”（give up）纸质支票提供收据这个优势。`take over`（接管）、`bring back`（带回）、`pass down`（传承）均不契合。

11.11.

A before

B after

C since

D when

解析：选A。11.A 考查连词辨析与固定句型。`It takes (time) before...` 是一个常用句型，意为“需要（一段时间）才…”。句意：需要几天时间支票才能兑现。

12.12.

A kept

B borrowed

C withdrawn

D released

解析：选C。12.C 考查动词辨析与金融常识。支票兑现后，资金会从开支票人的账户中被“提取”或“取出”（withdrawn）。`released`（释放）不如`withdrawn`在金融语境下准确。

13.13.

A Unless

B Because

C Until

D Though

解析：选B。13.B 考查逻辑关系（原因状语从句的引导词）。空格后的“电子支付是即时的”是空格前“它们（电子支付）消除了消费者的浮存期”的原因。因此是因果关系，用“Because”。

14.14.

A hide

B express

C ease

D raise

解析：选D。14.D 考查动词与名词的固定搭配。`raise concerns` 是固定搭配，意为“引起担忧”。电子支付方式可能“引发”安全和隐私方面的担忧。

15.15.

A analyzed

B shared

C stored

D displayed

解析：选C。15.C 考查动词辨析与上下文语义。黑客进入计算机数据库，是为了篡改“存储”（stored）在那里的信息。

16.16.

A unsafe

B unnatural

C unclear

D uncommon

解析：选D。16.D 考查形容词辨析与上下文逻辑。前句提到“我们经常听到媒体报道”，说明此类事件并非罕见。因此，空格处应填入`uncommon`（不常见的），用双重否定（not an uncommon occurrence）表示肯定，即“这是一种常见现象”。

17.17.

A steal

B choose

C benefit

D return

解析：选A。17.A 考查动词辨析与上下文语义。不诚实的人进入他人的电子支付系统银行账户，目的是“窃取”（steal）资金。

18.18.

A consideration

B prevention

C manipulation

D justification

解析：选B。18.B 考查名词辨析与上下文语义。针对上文所述的欺诈行为，“防止”（prevention）这种欺诈绝非易事。`consideration`（考虑）、`manipulation`（操纵）、`justification`（辩护）均不符合。

19.19.

A call for

B fight against

C adapt to

D cope with

解析：选D。19.D 考查动词短语辨析。发展计算机科学新领域的目的是为了“应对”或“处理”（cope with）安全问题。`call for`（呼吁）、`fight against`（对抗）、`adapt to`（适应）在此处语境中不如`cope with`全面和贴切。

20.20.

A chunk

B chip

C trail

D path

解析：选C。20.C 考查名词辨析与隐喻用法。电子支付会留下电子“痕迹”或“踪迹”（trail），这些痕迹包含了大量个人数据。`chunk`（大块）、`chip`（碎片）、`path`（路径）都不如`trail`能形象地比喻数据被记录和追踪的特点。