Day 5 levelling the paying field

                   Topic 2 Levelling the Paying Field

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

新的欧洲支付规则有可能撼动银行在这方面的地位。

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

欧洲的规则将会为那些进行交易分析的创新服务的企业开启一扇新的大门。

Customers need barely ever interact with their bank.

顾客几乎不用再和他们的银行打交道。

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

欧洲的零售银行没有受到技术控制的扰乱所伤害。

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.

金融科技公司开始增加挑战，大多数都是北欧的网上支付工厂。但是他们所达到的成就在欧洲以外的地方是非常有限的。

Regulators, however, are about to transform the landscape. 然而监管者将要改变现在的局势。

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

银行在支付服务方面的封锁是他们稳定收入的来源

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  

作为数据保护的一个担心，这种阻力是非常明显的。这样的担忧是合法的，同样也需要那些金融数据公司支持者们提供一方便的借口给银行去阻碍竞争。

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

但是对于他们所有的诉求，顾客还是在钱的方面更信赖银行。

神词组:

become overdrawn:会透支

nudge them to save more：促使他们去节省开支

have easy access to:更轻易的进入

kick-start competition:重新开始竞争

give explicit consent：给予确切的同意

one-click bank transfer:一键式银行转账

low-value payments:低成本支付

tighten up security:增强安全性

guide them toward:指引他们

rich data:丰富的数据

leave them in a weaker position:使他们处于不利的地位

robust data-protection system:强有力的信息保护系统

insured against losses from fraud:以防在骗局中亏损

perfect on paper:效果显著

team up with:与....合作

exploit newcomers technology: 开发新的技术