SIMULAZIONE TERZA PROVA - LINGUA INGLESE ITC

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Read the passage and answer the questions
After Internet banking, chip card-based technology is next big thing Technology has dramatically
transformed banking beyond the traditional concept. Many Kenyan banks are now offering Internet
and mobile banking services. In fact, local banks have been at the forefront (1) of adopting
technology to drive business volumes and enhance (2) customer service. Moreover, technology is
playing an instrumental role in promoting financial inclusion. Mobile banking innovations such as
M-Pesa (3) have significantly lowered the number of unbanked people in Kenya. Available data
show that whereas only 26 per cent of Kenyans had access to formal financial services in 2006, that
number had risen to 42 per cent in 2011. The World Bank predicts that by 2020, mobile banking
could impact the lives of two billion people in developing countries. A 2012 research report by
Deutsche Bank titled The Future of (Mobile) Payments notes: The rise of mobile and online
payments opens up new opportunities, but of course also presents new risks for financial services
providers. Those financial services providers who do not make the transformation process required
for the digital network architecture could suffer painful losses over the medium term. Thus, pressure
is growing on the traditional banking world.
(Adapted from Business Daily April 17, 2013)
GLOSSARY

(1) To be forefront= stare in prima linea

(2) To enhance= potenziare
(3) M-Pesa (termine swahili=denaro) servizio di trasferimento denaro tramite telefonia cellulare

1) How did people of one of developing countries use the banking services for the first time?
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2) What should financial services providers do in order to prevent serious problems?
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3) Describe all the new banking channels customers can use nowadays and their consequent
advantages and possible disadvantages.
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