1.NewEuropean payments regulation has the potential toshake up the banks.
欧洲新的支付规则对传统银行业具有潜在的巨大影响力。
2.Europeanrules willopen the door toa host of innovative servicesthat analyzetransactions.
欧洲规则，将对基于交易过程分析的一整套创新服务提供更多机会。
3.Customers
needbarely everinteractwith their bank.
消费者几乎不再需要直接到银行办理业务了。
4.European
retail banking has beenremarkably unscathed bytechnology-driven disruption.
欧洲零售银行业并没有因为科技驱动所带来的挑战而受到显著的影响。
5.Fintech
companies are beginning tomount a challenge, mostconspicuouslyin the online-payments industry in northern
Europe. But theirreach is more limitedelsewhere in Europe.
互联网金融企业正在发起挑战，并在北欧地区的线上支付业务领域取得了显著成效。但在欧洲其他地区，他们的影响力则十分有限。
6.Regulators,however, are about totransform the landscape.
然而，监管部门正在着手转变这一局面。
7.Banks’ lockhold onpayments serves as a handy source of income.
银行在支付业务中对消费者账户数据的垄断，作为一种唾手可得的收入来源。
8.Resistance ismanifested asa concern about data protection.Suchconcerns are legitimatebut also, arguefintech supporters,offer a convenient excuse forbankstoblock competition.
出于对数据安保方面的担忧，抵触声不绝于耳。这种担忧是合理的，但是也有理由让互联网金融的支持者们认为，是在为银行阻碍竞争提供名义上的借口。
9.Yetfor all their complaints, customersstilltrust banks with their money.
虽然消费者们抱怨连天，但他们仍然用真金白银表达对银行的信任。
神词组:
become overdrawn:
成为债务人
nudge them to save more
引导他们更加节省
have easy access to:
轻而易举的获取
kick-start competition:
竞争一触即发
give explicit consent
明确表示赞同
one-click bank transfer:
银行一键转账
low-value payments:
小额支付
tighten up security:
收紧安全监管
guide them toward:
推荐=recommend
rich data:
大量数据
leave them in a weaker position:
置他们于弱势地位
robust data-protection system:
健全的数据安保系统
insured against losses from fraud:
避免因欺诈所带来的损失
perfect on paper:
纸上谈兵
team up with:
与···重组
exploit newcomers technology:
利用竞争者的技术
Technology is manifested as a driving force for development, which team up with industry and agriculture, offer verious of convinient seveces. A mobile phone, nowdays, used not only to make a call, but also have teleconference, watch movies, play games or pay credit card, for example.
As Chinese gorvenment propelling ecnomic reform, relative rules will open the door to fintech companies that are expected to expand financial channels and facilitate effcient work flow. However, it is proved to be pefect on paper. Kinds of P2P businesses have easy access to collect money unofficially through internet, what's more, some of them loan sharks to girl students, who have to use nude and sex vedios as collateral, and nudge them to overdraw. According to calculation, losses from fintech fraud is surging, that means illegall orgernizations exploit new technology to level people in a weaker position.
More and more cases shake up the gorvenment and make it realize, technology combined with illegal companies without regulation, just a handy sauce of income. So, regulators must extremely restrict financial liberalization as well as tight up sercurity of whole system, meanwhile, guide them toward to a legitimate-frame.
It takes time to transform the landscape, and also we take barely ever advantage of merchant, so remember that, no greey, no lost.
