The shift towards a cashless society and its impacts on people's financial habits.

Vocab for writing

The digital revolution has made online shopping a _ [n] for consumers worldwide. (phương thức thanh toán không chạm)

frictionless payment method

Many young adults fall into debt because they adopt _ [n] early in life. (thói quen chi tiêu bất cẩn)

reckless spending habits

E-commerce platforms use targeted ads to trigger _ [n] among teenagers. (việc mua sắm bốc đồng)

impulsive buying

To attract more users, digital wallets frequently offer attractive _ [n]. (phần thưởng hoàn tiền)

cashback rewards

Buying items just because they are on sale often gives consumers a _ [n]. (cảm giác tiết kiệm giả tạo)

false sense of frugality

Tightening your budget means you have to cut down on _ [n]. (những món đồ không thiết yếu)

non-essential purchases

Many e-commerce platforms now integrate _ [n] to encourage immediate purchasing. (các hình thức mua trước trả sau)

BNPL schemes

Buying luxury items can easily force young consumers to live _ [adj]. (vượt quá khả năng tài chính)

beyond their financial means

Without _ [n], individuals are highly likely to overspend every month. (kỷ luật tài chính)

financial discipline

Relying too much on credit cards can trap users in a _ [n]. (vòng xoáy nợ nần luẩn quẩn)

vicious cycle of debt

Modern banking applications offer _ [n] to help users manage their monthly budgets. (việc tự động theo dõi chi tiêu)

automated expense tracking

Users can easily check their _ [n] on the app to see where their money went. (lịch sử giao dịch kỹ thuật số)

digital transaction history

Visual graphs of monthly spending can intensely enhance a person's _ [n]. (nhận thức về tài chính)

financial awareness

Learning how to save money early helps teenagers cultivate _ [n]. (thói quen chi tiêu thận trọng)

prudent spending habits

The rise of _ [n] has made physical cash almost obsolete in major cities. (thanh toán kỹ thuật số tức thời)

instant digital payment

Users must be cautious of phishing links to protect themselves from _ [n]. (lừa đảo mạng)

cyber fraud

Online scammers often target _ [n] who are new to digital banking. (người dùng nhẹ dạ cả tin)

unsuspecting users

If security vulnerabilities in financial apps _ [v], massive data breaches can occur. (không được giải quyết)

go unaddressed