39.
(A) Therefore
(B) However
(C) For instance
(D) In addition

39.

(A) Therefore/ˈðɛrfɔr/ (adv.) 因此

(C) For instance /fɔr ˈɪnstəns/ (adv. phr.) 例如

(D)In addition /ɪn əˈdɪʃən/ (adv. phr.) 此外

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The future of banking is rapidly evolving due to digital innovation, evolving consumer expectations, and advances in artificial intelligence. Banks are adopting fintech solutions including mobile-first platforms, automation, and personalized tools. Blockchain technology is improving transaction security and transparency. As physical branches decline, virtual banking and decentralized finance (DeFi) are rising, offering users greater control. Technologies such as biometric authentication and real-time data analytics enhance both security and personalization. However, these developments raise challenges, including data privacy, regulatory adjustments, and the need for digital inclusion. Addressing these concerns is vital to ensure equitable access and stability. Ultimately, the future lies in building agile, secure, and customer-centric ecosystems that align technological innovation with public trust in a globally connected financial landscape.

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由於數位創新、消費者期望的改變以及人工智慧的進步，銀行業的未來正在快速演變。銀行目前正採納金融科技解決方案，(36) 包含 移動優先平台、自動化及個人化工具。區塊鏈技術目前正在 (37) 改善 交易的安全與透明度。隨著實體分行的減少，虛擬銀行與去中心化金融 (defi) 正逐漸興起，為使用者提供更大的 (38) 控制權。像是生物識別驗證與即時數據分析等技術，都強化了安全與個人化體驗。(39) 然而，這些發展也帶來挑戰，包括數據隱私、法規調整以及數位包容性的需求。解決這些問題對於確保公平的取得途徑與穩定性是 (40) 至關重要 的。歸根究底，未來在於建立靈活、安全且以客戶為中心的生態系統，將技術創新與公眾信心結合在一個全球互聯的金融環境中。

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• fintech /ˈfɪnˌtɛk/ (n.) 金融科技

• blockchain /ˈblɑkˌtʃen/ (n.) 區塊鏈

• decentralized finance (defi) /diˈsɛntrəˌlaɪzd ˈfaɪnæns/ (n.) 去中心化金融

• biometric /ˌbaɪoʊˈmɛtrɪk/ (adj.) 生物識別的

• authentication /əˌθɛntɪˈkeɪʃən/ (n.) 驗證

• regulatory /ˈrɛɡjələˌtɔri/ (adj.) 監管的

• inclusion /ɪnˈkluʒən/ (n.) 包容性 (指數位普及)

• equitable /ˈɛkwɪtəbəl/ (adj.) 公平的

• agile /ˈædʒəl/ (adj.) 靈活的