Given the advantages of electronic money, you might think that we would move quickly to th

e cashless society in which all payments are made electronically. 【C1】______, a true cashless society is probably not around the corner. Indeed, predictions have been【C2】______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【C3】______of money itself," only to【C4】______itself several years later. Why has the movement to a cashless society been so【C5】______in coming？ Although electronic means of payment may be more efficient than a payments system based on paper, several factors work【C6】______the disappearance of the paper system. First, it is very 【C7】______to set up the computer, card reader, and telecommunications networks necessary to make electronic money the【C8】______form. of payment. Second, paper checks have the advantage that they【C9】______receipts, something that many consumers are unwilling to【C10】______. Third, the use of paper checks gives consumers several days of "float"—it takes several days【C11】______a check is cashed and funds are【C12】______from the issuer s account, which means that the writer of the check can earn interest on the funds in the meantime. 【C13】______electronic payments are immediate, they eliminate the float for the consumer. Fourth, electronic means of payment may【C14】______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【C15】______there. The fact that this is not an【C16】______occurrence means that dishonest persons might be able to access bank accounts in electronic payments systems and【C17】______from someone else s accounts. The【C18】______of this type of fraud is no easy task, and a new field of computer science is developing to【C19】______security issues. A further concern is that the use of electronic means of payment leaves an electronic【C20】______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.

【C1】

A．Moreover

B．However

C．Therefore

D．Otherwise