I think the biggest change in payment trends over the last 10 years in China is cashlessness. Nowadays, we have had more than 5 e-payment platforms people can choose from, they are all convenient to use and differ in different financial service they can provide. Cashlessness has many good points: decrease the crime rate; decrease the disease transmission through hands; decrease the counterfeit money transmission... Considering the benefits a cashless society has brought to us, I appreciate the change a lot. It just makes life easier for most people. It also causes inconvenience for the elderly, the biggest problem would be the difficulties for they to adapt to the new technology, even it seems simple for everyone. I think we should still keep the tradition way a space for someone who don't embrace changes, the best is to give people choices.

What´s your favorite city in the world? why? I would say Miami, definitely. Because here all we are welcome. There are different cultures around the world, food, dishes, people. A huge mixture of cultures ready to learn among them. Like learning languages should be.

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The topic of education often comes up in the IELTS test. Do you think children should study art at school or are subjects such as maths and sciences more important? Join Nick for today's topic...

Which part of Bali do you like the most?

I made a song you can learn N5 and N4 Japanese (beginner level) with AI. N5とN4の勉強ができる歌を、AIで作りました！聞いてみてください！