Day 5

                  Topic 2 Levelling the Paying Field

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

新颁布的欧盟支付规定有足够的可能性使银行发生震荡。

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

欧盟将会对关于分析交易提供创新性服务的企业有较开放性的政策。

Customers need barely ever interact with their bank.

顾客很少需要和他们的银行联系。

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

欧洲的零售银行显然没有受到技术性导致的阻碍

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.

财务高新技术企业开始开启一项挑战，在北欧的在线支付公司最为明显，但在欧洲的其他地方这种方式受到更多限制。

Regulators, however, are about to transform the landscape.

不管怎么样，管理机构，将会改变这一片领域。

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

银行通过对支付服务的掌控来作为一项收入来源

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.

因为担心数据安全性而产生的抵触情绪显而易见。这些担心来源于法律方面，并且反对财管高新科技的支持者们，为银行垄断竞争提供了一种便捷的理由。

Yet for all their complaints, customers still trust banks with their money.

并且对于他们所有的担心来说，顾客依然相信银行来保管他们的钱。

神词组:

become overdrawn:

会透支

nudge them to save more

推动他们去存更多的钱

have easy access to:

有简单的方法去做………

kick-start competition:

启动竞争

give explicit consent

明确同意

one-click bank transfer:

一键式银行切换

low-value payments:

低价值支付

tighten up security:

使安全措施更严密

guide them toward:

引导他们的去向

rich data:

丰富的数据

leave them in a weaker position:

使他们处于劣势

robust data-protection system:

稳固数据安全系统

insured against losses from fraud:

为防止诈骗损失投保

perfect on paper:

完美计划

team up with:

与………合作

exploit newcomers technology:

利用新科学技术