Question 10 is based on the conversation you have just heard.

Conversation One

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M: Lisa, why did you pay for your meal with cash instead of the payment apps on your phone?

W: (8) [Well, I’ve gone back to cash.] I’m only using payment apps if that’s the only option. (8) [I am trying to save money for a new phone], and I find that using cash rather than payment apps helps me to save.

M: But how? Money is money, isn’t it? I don’t think it matters whether you take it out of the bank and put it in your wallet, or simply transfer from your bank account to the sellers’ bank account using an app.

W: No, I believe it does matter. It’s a psychological phenomenon. (9) [I believe we have less connection with the value of our money when we just have the “approve” buttons on our phones.]

M: You might have a point. Since I stopped carrying cash around and started using my phone apps to pay, (10) [I may have developed a tendency to buy more small or non-essential items.]

W: That’s highly possible. Think about the amount of time we spend with our phones in our hands and all the things we do with our phones. It sometimes seems that our phone is buying the product for us, not ourselves.

M: So cashless payment affects our ability to budget?

W: I believe so. If we spend a hundred yuan in cash, we realize that we don’t have that hundred yuan to spend on something else. But if we’re spending electronically, we are less likely to make that mental calculation.

M: (11) [I stopped using my credit card because I found I was spending excessively.] Perhaps I should take the same approach of paying using my phone.

W: It’s worth considering.

10. What might the man tend to buy with payment apps?

解析：D。录音中间部分男士说到，自从他不再携带现金并开始用手机付钱后，他似乎就养成了一种习惯，会买更多小商品或者没什么必要的东西。D项的More non-essential things是对录音中more small or non-essential items的同义替换，故正确答案为D。

错项排除：A项利用valuable作干扰，录音中间部分女士提到了value一词，但她指的是人们对金钱价值的认知，不是指更值钱的商品，而男士也没有提到任何与valuable items相关的信息，故排除A项。B项利用Electronic作干扰，录音后半部分提到了electronically，但此处女士说的是，如果我们通过电子支付花钱，我们一般不会在心里算账，与B项的“电子产品”没有关系，故B项错误。录音中的small or non-essential items指的是小商品或非必需品，C项中的necessities（必需品）与其意思相反，故C项错误。