Children may not be putting coins in piggy banks for much longer. With the move towards a cashless society, pocket money is moving digital.

To reflect this trend, many mobile budgeting apps for children have sprung up worldwide：GoHenry, Osper, and Gimi, to name but a few. These apps offer a simple money management service for children, often for a monthly fee paid by the parents. Parents can add money to children's accounts, set limits and monitor transactions(交易). Children can choose to save their money or spend it using a prepaid card.

These apps aim to teach young childrenfinancial concepts, such as budgeting, interest rates and income. For instance, the Swedish app Gimi—with 1.2 million users globally—has virtual savings jars where children can deposit money. Parents can pay children interest as they save. There is also a chores feature, where parents can pay children for completing household tasks. The account is attached to a prepaid card that is currently available in Sweden only, but is expected to be launched elsewhere in Europe in 2020.

Haglund, CEO of Gimi, believes the app can teach children responsible spending habits. "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 6 to 12 years old," he says.

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, dedicated, classroom time and ideally should be taught as a standalone subject," she said. “Children would then have the right context and foundation to get the most out of both the apps and their money.”

For all the technological wonders of modern medicine, health care-with its fax machines and clipboards(写字板)—is out of date. This outdated era is slowly drawing to a close as the industry catches up with the artificial-intelligence ( AI) revolution.

Eric Topol, an expert in heart disease and enthusiast for digital medicine, thinks AI will be particularly useful for such tasks as examining images, observing heart traces for abnormalities or turning doctors' words into patient records. It will be able to use masses of data to work out the best treatments, and improve workflows in hospitals. In short, AI is set to save time, lives and money.

The fear some people have is that AI will be used to deepen the assembly-line culture of modern medicine. If it gives a “ gift of time” to doctors, they argue that this bonus should be used to extend consultations, rather than simply speeding through them more efficiently.

That is a fine idea, but as health swallows an ever-bigger share of national wealth, greater efficiency is exactly what is needed, at least so far as governments and insurers are concerned. Otherwise, rich societies may fail to cope with the needs of ageing and growing populations. An extra five minutes spent chatting with a patient is costly as well as valuable. The AI revolution will also enable managerial accountants to adjust and evaluate every aspect of treatment. The autonomy of the doctor will surely be weakened, especially, perhaps, in public-health systems which are duty-bound to cut unnecessary costs.

The Hippocratic Oath(誓言) holds that there is an art to medicine as well as a science, and that “warmth, sympathy and understanding may outweigh the surgeon's knife or the chemist's drug”. There's lots of sense in it: the patients of sympathetic physicians have been shown to recover better. Yet as the supply of human carers fails to satisfy the demand for health care, the future may involve consultations on smartphones and measurements monitored by chatbots. The considerately warmed stethoscope (听诊器) ,placed gently on a patient's back, may become a relic of the past.

“Funny”, a made-in-China emoji, seems to have recently moved beyond China. Now, it is more than an emoji, but a cultural expansion.

Reaching Global Markets

A series of “funny” emoji-based bolsters (抱枕) have attracted the attention of Japanese customers. Even if one bolster is more than three times as expensive as in China, it doesn’t kill their desires to buy it. One Japanese customer Miki said, “They are just so cute and I bought three bolsters at one time for my family. And every time I see them, my mood just brightens suddenly.”

A Japanese netizen Kiro Kara said, “I think the emoji implies very complicated meanings. My dad will send it when he doesn’t agree with someone but he has to say something and behave politely.”

Addition to Domestic Social Media

Compared with Japanese impressions of the “funny” emoji, Chinese netizens prefer to use the emoji to tease one another on social media.

One commonly seen online comment is, “We strongly suggest stopping the usage of the emoji. Because every time other people send me the emoji, I feel very uncomfortable and consider myself as a fool.”

Regarded as the most popular emoji, the “funny” emoji has received much attention since its release in 2013. In fact, the “funny” emoji is the updated version of its original one; “funny” has a smiley mouth, two eyebrows and a naughty look. All these characteristics present users a sense of satire (讽刺).

In Everyday Use Abroad

It’s not the first time the Chinese emoji takes the world stage. Earlier this year, one emoji from the Chinese basketball celebrity Yao Ming has been spread through the Middle East region. In a city in southern Egypt, Yao’s smiling emoji has appeared frequently in local traffic signs to remind people the road ahead is one-way. Many locals do not know Yao Ming but are familiar with his emoji and nickname “Chinese Funny Face”.

As a new online language, emojis have become a necessary part of people’s daily life, helping people express their views in a more vivid and precise way. Also, it can help foreigners learn about Chinese culture. But how to properly use “the fifth innovation in China” without hurting others and turn them into commercial advantages still need answers.

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