Topic 2 Levelling the Paying Fie

1. New European payments regulation has the potential to shake up the banks.

新欧洲付款条例很有可能给银行业带来冲击。

2. European rules will open the door to a host of innovative services that analyze transactions.

欧洲条例为一大批分析交易数据的创新型服务打开了大门。

3. Customers need barely ever interact with their bank.

顾客几乎不需要和银行有接触。

4. European retail banking has been remarkably unscathed by technology-driven disruption.

令人意想不到的是，欧洲零售银行没有受这些新科技带来的扰乱的影响。

5. Fintech companies are beginning to mount a challenge, most conspicuously in the online-payments industry in northern Europe. But their reach is more limited elsewhere in Europe.

互联网金融公司开始发起挑战，主要是在北欧的线上支付行业。但是它们的经营范围在欧洲其他地方非常有限。

6. Regulators, however, are about to transform the landscape.

然而，监管者准备改变这个局面。

7. Banks’ lockhold on payments serves as a handy source of income.

银行对于支付业务的垄断使得它成为了一种有用的收入来源。

8. Resistance is manifested as a concern about data protection. Such concerns are legitimate but also, argue fintech supporters, offer a convenient excuse for banks to block competition.

银行对于互联网金融公司的抵制表现在对于数据保护的担忧。这种担忧是合法的，但是互联网公司的支持者认为这种担忧为银行阻碍竞争提供一个方便的借口。

9. Yet for all their complaints, customers still trust banks with their money. 虽然很多顾客抱怨银行，但是他们仍然是信任银行的，愿意把钱交给银行管理。

神词组:

become overdrawn: 透支

nudge them to save more 促使他们省更多的钱

have easy access to: 容易能

kick-start competition: 开始竞争

give explicit consent  给出明确许可

one-click bank transfer: 在线银行转账

low-value payments: 小数额付款

tighten up security: 注意安全

guide them toward: 领导他们走向

rich data: 海量数据

leave them in a weaker position: 使他们处于弱势地位

robust data-protection system: 强劲的数据保护系统

insured against losses from fraud: 给因诈骗造成的损失上保险

perfect on paper: 似乎很靠谱

team up with: 与~合作

exploit newcomers technology: 压榨新来的科技