Topic 2 Levelling the Paying Field
1.New European payments regulation has the potential to shake up the banks.
欧洲新出台的支付规定将会给银行带来颠覆。
2.European rules will open the door to a host of innovative services that analyze transactions.
欧洲的新规定会鼓励一批用来分析交易的创新互联网金融服务商的发展。
3.Customers need barely ever interact with their bank.
客户几乎不需要亲自到银行去办理业务。
4.European retail banking has been remarkably unscathed by technology-driven disruption.
引人注意的是，欧洲的零售银行在这场以高科技为导向的颠覆式变革中安然无恙。
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.
金融科技公司开始卯足了劲要对传统金融发起挑战，最明显的就是在北欧的线上支付行业。但是在欧洲其他地方，金融科技公司的发展依然受到诸多限制。
6.Regulators,however, are about to transform the landscape.
然而监管者已经准备开始改变目前的局面。
7.Banks’ lockhold on payments serves as a handy source of income.
银行不分享客户信息，垄断了支付业务，也顺手从中获利。
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.
反抗通常会表现为一种担忧：那就是数据的安全保护问题。但金融科技的支持者们认为这样的担忧虽然是合法的，但是会让银行借此理由阻挡来自金融科技公司的竞争。
9.Yet for all their complaints, customers still trust banks with their money.
尽管人们对银行抱怨重重，但他们依然还是会把钱存到银行。
nudge them to save more：促使人们节省更多
have easy access to:很容易获得；可方便地使用
kick-start competition:激活市场竞争
give explicit consent：给予明确的同意；
one-click bank transfer:一键式办理银行业务
low-value payments:小额支付
tighten up security:加强安全监管
guide them toward:引导。。。去。。。
rich data:丰富的数据资源
leave them in a weaker position:使得他们处于下风/陷于被动
robust data-protection system:安全有效的数据保护系统
insured against losses from fraud:担保赔偿客户因诈骗所受损失
perfect on paper:纸上谈兵
team up with:与。。。合作
exploit newcomers technology:充分利用新科技
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