It is 89 centavos - exactly as in the question.
A decimal number is simply a way of representing a number in such a way that the place value of each digit is ten times that of the digit to its right. A decimal representation does not require a decimal point. Adding zeros after the decimal point is wrong because they imply a degree of accuracy (significant figures) for which there is no justification.
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Nine and six hundred eighty-eight thousandths in decimal form is 9.688
980.681
0.981 in decimal word form is: nine hundred eighty-one thousandths.
89000
The decimal number 3.789 in written form is "three point seven eight nine." If you are referring to it as a whole number and fractional part, it can be expressed as "three and seven hundred eighty-nine thousandths."