Mobile Banking Apps - Learning English with CBC

1. Mobile Banking
Language circle
Lesson adapted from https://www.cbc.ca/learning-english/mobile-
banking-level-2-1.4655039

2. Objectives
• Listen and identify facts about mobile banking.
• Recall specific details about a news story.
• Identify the differences between reading for pleasure and
reading for purpose.
• Locate the problems and impacts of mobile banking in a
short reading.
• Summarize the new story using guiding questions.

3. Learning English with CBC
Screenshot of CBC Learning English

4. Agenda
1. Speaking
2. Vocabulary
3. Listening
4. Reading
5. Writing
6. Practice what you have learned!

5. Speaking
• Today’s topic is about mobile banking apps.
– Do you use mobile banking apps ? Explain what
you use it for.
-Why might customers choose to do their banking
on an app rather than stand in line ?
-What are the possible dangers and risks of using
a mobile banking app ?

6. Vocabulary

7. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook to reimburse
1. to watch someone or something carefully; to be attentive
to someone or something
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
3. to have many jobs or roles at the same time.
4. to pay money back to someone when their money has
been spent or lost.
5. to notice or discover something, especially something
that is not easy to see, hear etc.
6. a cheque exchanged for cash.
7. to be caught in a bad situation or to owe money.
8. a business organization that lends and borrows money,
for example a bank.

8. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook to reimburse
1. to watch someone or something carefully; to be attentive
to someone or something.
keep an eye on
(someone/something)
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
3. to have many jobs or roles at the same time.
4. to pay money back to someone when their money has
been spent or lost.
5. to notice or discover something, especially something
that is not easy to see, hear etc.
6. a cheque exchanged for cash.
7. to be caught in a bad situation or to owe money.
8. a business organization that lends and borrows money,
for example a bank.

9. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook to reimburse
1. to watch someone or something carefully; to be attentive
to someone or something.
keep an eye on
(someone/something)
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
stale dated cheque
3. to have many jobs or roles at the same time.
4. to pay money back to someone when their money has
been spent or lost.
5. to notice or discover something, especially something
that is not easy to see, hear etc.
6. a cheque exchanged for cash.
7. to be caught in a bad situation or to owe money.
8. a business organization that lends and borrows money,
for example a bank.

10. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook to reimburse
1. to watch someone or something carefully; to be attentive
to someone or something.
keep an eye on
(someone/something)
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
stale dated cheque
3. to have many jobs or roles at the same time. to wear a lot of hats
4. to pay money back to someone when their money has
been spent or lost.
5. to notice or discover something, especially something
that is not easy to see, hear etc.
6. a cheque exchanged for cash.
7. to be caught in a bad situation or to owe money.
8. a business organization that lends and borrows money,
for example a bank.

11. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook to reimburse
1. to watch someone or something carefully; to be attentive
to someone or something.
keep an eye on
(someone/something)
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
stale dated cheque
3. to have many jobs or roles at the same time. to wear a lot of hats
4. to pay money back to someone when their money has
been spent or lost.
to reimburse
5. to notice or discover something, especially something
that is not easy to see, hear etc.
6. a cheque exchanged for cash.
7. to be caught in a bad situation or to owe money.
8. a business organization that lends and borrows money,
for example a bank.

12. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook to reimbursed
1. to watch someone or something carefully; to be attentive
to someone or something.
keep an eye on
(someone/something)
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
stale dated cheque
3. to have many jobs or roles at the same time. to wear a lot of hats
4. to pay money back to someone when their money has
been spent or lost.
to reimburse
5. to notice or discover something, especially something
that is not easy to see, hear etc.
detect
6. a cheque exchanged for cash.
7. to be caught in a bad situation or to owe money.
8. a business organization that lends and borrows money,
for example a bank.

13. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook to reimburse
1. to watch someone or something carefully; to be attentive
to someone or something.
keep an eye on
(someone/something)
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
stale dated cheque
3. to have many jobs or roles at the same time. to wear a lot of hats
4. to pay money back to someone when their money has
been spent or lost.
to reimburse
5. to notice or discover something, especially something
that is not easy to see, hear etc.
detect
6. a cheque exchanged for cash. cashed
7. to be caught in a bad situation or to owe money.
8. a business organization that lends and borrows money,
for example a bank.

14. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook to reimburse
1. to watch someone or something carefully; to be attentive
to someone or something.
keep an eye on
(someone/something)
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
stale dated cheque
3. to have many jobs or roles at the same time. to wear a lot of hats
4. to pay money back to someone when their money has
been spent or lost.
to reimburse
5. to notice or discover something, especially something
that is not easy to see, hear etc.
detect
6. a cheque exchanged for cash. cashed
7. to be caught in a bad situation or to owe money. on the hook
8. a business organization that lends and borrows money,
for example a bank.

15. to wear a lot of hats keep an eye on (someone/something)
cashed stale dated cheque detect financial institutions
on the hook reimbursed
1. to watch someone or something carefully; to be attentive
to someone or something.
keep an eye on
(someone/something)
2. a cheque which a bank will not accept and exchange for
money or payment because it was written more than a
certain number of months ago.
stale dated cheque
3. to have many jobs or roles at the same time. to wear a lot of hats
4. to pay money back to someone when their money has
been spent or lost.
to reimburse
5. to notice or discover something, especially something
that is not easy to see, hear etc.
detect
6. a cheque exchanged for cash. cashed
7. to be caught in a bad situation or to owe money. on the hook
8. business organizations that lend and borrow money, for
example, a bank.
financial institutions

16. LISTENING

17. Listening
• Let’s listen to the story “Mobile Banking”
by Learning English with CBC.
https://www.cbc.ca/learning-
english/mobile-banking-level-2-1.4655039

18. 1- Listening for details
The Martens had to wear a lot of _____________
when they were building the pub, restaurant and
brewery.
a. name tags
b. uniforms
c. clothes
d. hats
Link to original lesson CBC website

19. 1- Listening for details
The Martens had to wear a lot of _____________
when they were building the pub, restaurant and
brewery.
a. name tags
b. uniforms
c. clothes
d. hats
Link to original lesson CBC website

20. 2-Listening for details
Because they did not have a full-time bookkeeper, the
Martens had to ________________ their accounts.
a. watch carefully
b. keep an eye on
c. plan wisely
d. keep a nose on
Link to original lesson CBC website

21. 2-Listening for details
Because they did not have a full-time bookkeeper, the
Martens had to ________________ their accounts.
a. watch carefully
b. keep an eye on
c. plan wisely
d. keep a nose on
Link to original lesson CBC website

22. 3-Listening for details
There were 17 cases of cheques _______________
twice, leaving the Martens with thousands of dollars
of extra payments.
a. given
b. written
c. cashed
d. stolen
Link to original lesson CBC website

23. 3-Listening for details
There were 17 cases of cheques _______________
twice, leaving the Martens with thousands of dollars
of extra payments.
a. given
b. written
c. cashed
d. stolen
Link to original lesson CBC website

24. 4-Listening for details
Mobile banking apps allow customers to deposit
cheques by taking a picture, so they no longer need to
give the cheques to a(n) _________________.
a. employee
b. financial institution
c. boss
d. ATM
Link to original lesson CBC website

25. 4-Listening for details
Mobile banking apps allow customers to deposit
cheques by taking a picture, so they no longer need to
give the cheques to a(n) _________________.
a. employee
b. financial institution
c. boss
d. ATM
Link to original lesson CBC website

26. 5-Listening for details
Chester Wisniewski explained that by mixing old
______________ (paper cheques) with new
______________ (smartphone apps), problems can
occur.
a. technology
b. plans
c. ideas
d. things
Link to original lesson CBC website

27. 5-Listening for details
Chester Wisniewski explained that by mixing old
______________ (paper cheques) with new
______________ (smartphone apps), problems can
occur.
a. technology
b. plans
c. ideas
d. things
Link to original lesson CBC website

28. 6-Listening for details
The Martens were first told it was their fault because
they didn’t notice the situation, but later, their credit
union ___________________ them.
a. thanked
b. helped
c. reimbursed
d. understood
Link to original lesson CBC website

29. 6-Listening for details
The Martens were first told it was their fault because
they didn’t notice the situation, but later, their credit
union ___________________ them.
a. thanked
b. helped
c. reimbursed
d. understood
Link to original lesson CBC website

30. Reading

31. Why do we read ?
,
Reading for pleasure Reading for purpose
Reading is done quickly. Reading is done carefully, slowly, and
deliberately.
Can be done anywhere, anytime. Requires a quiet environment where the
reader can concentrate.
Reading is done for pleasure and to relax
or for an emotional experience (e.g.
happiness, for curiosity, to cry)
Motivation is key when reading for
purpose because the material is often
challenging (i.e. new subject, unfamiliar
vocabulary, lengthy).
Gives insight into another world. Use of strategies such as highlighting key
words, identifying the author’s purpose,
underlining main ideas, and summarizing
are important in aiding comprehension.
Is often a social experience if reading in
groups or as part of a book club.
Generally done alone, however,
comprehension of material can be aided
through group discussion.

32. Reading
Today we are reading for purpose.
-In the next 3 paragraphs, we will
determine the problem or issue and the
impact.

33. Reading
Sometimes we need to make inferences
when the answer is not directly in the text.
-Making an inference involves using what you
know to make a guess about what you don't
know or reading between the lines. Readers
who make inferences use the clues in the text.

34. Reading
These two have a lot going on. So when some
of their employees cashed the same pay
cheques twice, it took a while for them to notice.
When we were building the pub, and the
restaurant, and the brewery - we were wearing
a lot of hats… and not having a full time
bookkeeper. We had to keep an eye on our
accounts, at the same time as doing everything
else. The one thing that I didn't expect that could
happen was having cheques that would be
cashed twice.
Link to original lesson CBC website

35. Reading
After reading this paragraph
• What is the main problem or issue ?
• What is the impact of this problem ?

36. Reading
It happened 17 times. Leaving them with
thousands of dollars in extra payments. Their
credit union didn't notice. Our worst one we have,
was actually a stale dated cheque that is over 8
months old that was cleared the second time. So
there was a cheque that was deposited one
month, and 8 and half months later was
deposited again. Until recently all cheques being
deposited had to be handed over to the financial
institution, but mobile banking apps changed
that. They allow customers to deposit cheques by
taking a photo with their SMART phones, as that
soars in popularity so do the risks.
Link to original lesson CBC website

37. Reading
After reading this paragraph
• What is the main problem or issue ?
• What is the impact of this problem ?

38. Reading
Most double deposits are accidental according to this bank
security expert, "we are kind of using 19th century
technology colliding with our SMART phones and it just
complicated". The problem aren’t the apps, it is the mix of
new technology and old paper cheques. By doing one
electronic and one paper that can throw their systems off
and that can make it difficult for their systems to detect. Or
by doing transactions at multiple financial institutions, so
you do need to be holding your bank accountable and be
very careful. Banks give customers between 30-60 days to
flag problems with their accounts, so if you’re not checking
your accounts often you could be on the hook for the
money. When the Martens notified their credit union, they
say they were initially told it was their fault for failing to
notice the problem sooner. They were eventually
reimbursed.
Link to original lesson CBC website

39. Reading
After reading this paragraph
• What is the main problem or issue ?
• What is the impact of this problem ?

40. Writing

41. Summarize
1. What are the main problems with
mobile banking?
2. How could have The Martens (the
owners of the restaurant) avoided these
problems ?
3. Are you more or less likely to use
mobile banking ? Why or why not?

42. Writing
Post your responses on the forum.
Your e-Facilitator will check it and give
you feedback.

43. Resources

44. Homework
• Go to the CBC lesson
https://www.cbc.ca/learning-english/mobile-
banking-level-2-1.4655039
Work on other skills in the lesson

46. Date or Other Description Goes Here
See you next time!