Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 39 to 43.

Sweden can be one of the first countries to stop using cash. In most cities, buses do not take any cash. Instead, you pay for your ticket by card or mobile phone before you get on. Some businesses only take cards and there are banks which do not deal with any notes or coins.

In a cashless society, you do not need to worry about having enough change for the bus. You will feel much more secure as well. Statistics show that since the decrease in the cash economy,there is not as much crime in Sweden.

However, not all Swedes like the idea. Elderly people complain much about the problems of paying by card. Small businesses are also unhappy because they have to pay a little money to the bank each time somebody pays them using a card.

It is not just richer countries that are becoming cashless. Many countries in the developing world have found that mobile phones are perfect for transferring money. For example, in Kenya, only a few people have a bank account, but lots of Kenyans have a mobile phone. Now people can pay for things in shops, pay their bills and their children's school fees, and receive their salary with their phones. Kenya has led a revolution in mobile banking.

Which of the following is NOT true according to the passage?