中英文逐句直译 (Sentence-by-Sentence Translation)
Children may not be using piggy banks for much longer; with the move towards a cashless society, pocket money is moving digital.
孩子们可能不会再使用存钱罐太久了；随着向无现金社会的转变，零用钱正趋向于数字化。
To reflect this trend, all of a sudden a lot of mobile budgeting apps for children have been developed worldwide: GoHenry, Osper and Gimi, to name a few.
为了反映这一趋势，全球范围内突然开发了许多针对儿童的移动预算应用：如 GoHenry、Osper 和 Gimi 等。
These apps offer a simple money management service to children, often for a monthly fee paid by parents.
这些应用为孩子们提供简单的理财服务，通常由父母支付月费。
Parents can add money to children’s accounts, set limits and monitor transactions, while children can choose to save their money or spend it using a prepaid card.
父母可以往孩子的账户里存钱、设置额度并监控交易，而孩子们可以选择存钱或使用预付卡消费。
The apps suggest minimum ages ranging from six to nine for the prepaid card.
这些应用建议使用预付卡的最低年龄为六至九岁。
The companies behind the apps argue that in an increasingly cashless society, these apps can be a valuable way of teaching young children about money.
这些应用背后的公司认为，在日益无现金化的社会中，这些应用可以是教年幼孩子认识金钱的一种有价值的方式。
Two thirds of adults globally know little about finance, according to a recent survey, and one in four teenagers are unable to make even simple decisions on everyday spending.
根据最近的一项调查，全球三分之二的成年人对金融知之甚少，且四分之一的青少年甚至无法对日常支出做出简单的决定。
These apps aim to overcome this, claiming to teach children financial concepts, such as budgeting, interest rates and income.
这些应用旨在克服这一问题，声称教孩子们财务概念，如预算、利率和收入。
For instance, the Swedish app Gimi—with 1.2 million users globally—has online savings jars where children can deposit money.
例如，拥有全球 120 万用户的瑞典应用 Gimi 设有在线储蓄罐，孩子们可以在那里存钱。
Parents can pay children interest as they save, and pay children for completinghousehold tasks.
当孩子存钱时，父母可以支付他们利息，并为孩子完成家务支付报酬。
The account comes with a prepaid card.
该账户配有一张预付卡。
Right now, this card only works in Sweden, but it will probably be available in other European countries soon.
目前，这张卡仅在瑞典可以使用，但可能很快就会在其他欧洲国家推出。
“Cash was the best way to teach people about financial knowledge because it’s so easy to grasp,” Philip Haglund, CEO of Gimi, mentions.
Gimi 的首席执行官 Philip Haglund 提到：“现金曾是教人们金融知识的最佳方式，因为它非常容易掌握。”
“Now money is being transferred through some kind of cyberspace, which is really abstract and hard for anyone to understand.”
“现在钱是通过某种网络空间传输的，这真的很抽象，任何人系统地理解起来都很困难。”
Haglund believes the app can teach responsible spending habits, whereas schools tend to focus more on economic theories.
Haglund 认为该应用可以培养负责任的消费习惯，而学校往往更侧重于经济理论。
“You don’t become better at money management just because you have a degree in economics. It’s more about the attitude and the relationship you have with parents’ money when you’re six to 21 years old,” he says.
他说：“你不会仅仅因为拥有经济学学位就变得更擅长理财。它更多关乎你在 6 到 21 岁时对父母金钱的态度和处理关系。”
But Catherine Winter, managing director of financial capability at the London Institute of Banking and Finance, warns that while digital tools can help, there needs to be a more structured approach to financial education.
但伦敦银行与金融学院财务能力执行主任 Catherine Winter 警告说，虽然数字工具可以提供帮助，但金融教育需要一种更具系统性的方法。
The area should “have regular classroom time and ideally should be taught as a separate subject,” she says.
她说，该领域应该“有定期的课堂时间，理想情况下应该作为一门独立的学科来教授。”
“Children would then have the right context and foundation to get the most out of both the apps and their money.”
“这样孩子们才会有合适的背景和基础，从而最大限度地利用这些应用和他们自己的钱。”
Full English Text
Children may not be using piggy banks for much longer; with the move towards a cashless society, pocket money is moving digital. To reflect this trend, all of a sudden a lot of mobile budgeting apps for children have been developed worldwide: GoHenry, Osper and Gimi, to name a few. These apps offer a simple money management service to children, often for a monthly fee paid by parents. Parents can add money to children’s accounts, set limits and monitor transactions, while children can choose to save their money or spend it using a prepaid card. The apps suggest minimum ages ranging from six to nine for the prepaid card. The companies behind the apps argue that in an increasingly cashless society, these apps can be a valuable way of teaching young children about money.
But Catherine Winter, managing director of financial capability at the London Institute of Banking and Finance, warns that while digital tools can help, there needs to be a more structured approach to financial education. The area should “have regular classroom time and ideally should be taught as a separate subject,” she says. “Children would then have the right context and foundation to get the most out of both the apps and their money.”