一句話總結(jié)： New European rules represented by PSD2 to be implemented in 2018 shake up the banks and will push the development of fintech companies supposed that they ensure the security of data, while whether banks and fintech companies will cooperate or confront is the question.
vocabulary and phrase
1. predetermined:
decided or arranged before someting happens, so that it does not happen by chance.
predetermined amount
2. overdrawn:
if you are overdrawn, or if your bank account is overdrawn, you have spent more than you had in your account and so you own the bank money.
overdrawn by + amount
3. to date: up to now.
4. dire:
extremely serious or terrible
dire warning/prediction/forecast: a warn about something terrible that will happen in the future.
5. unscatched:
not injured or harmed by something
escape/emerge unscatched
6. conspiciously:
very easy to notice
be conspicious by your/its absence: used to say that someone or something is not somewhere they were expected to be.
7. mount:
to plan, organize, and begin an event or a course of action.
mount a campaign/challenge/search, etc.
8. physical:
relating to real objects that you can touch, see, or feel.
physical payments
9. incumbent:
It is incumbent upon/on somebody to do something(formal): It is incumbent upon you to do something, it is your duty or responsibility to do it.
10. resilient:
strong and not easily damaged by being pulled, pressed, etc.
11. cumbersome:
a process or system that is cumbersome is slow and difficult.
heavy and difficult to move.
12. landscape
the political/social landscape: the general situation in which a particular activity takes place.
transform the landscape
13. kick-start:
to do something to help a process or activity start or develop more quickly.
kick-start competition/the economy
14. consent:
permission to do something
give an explicit consent
15. rock-bottom:
a rock-bottom price is as low as it can possibly be.
rock-bottom interest rates
16. handy:
easy to reach/use
come in handy 遲早有
handy and harman 得心應(yīng)手
17. Retail Banking: 零售銀行
also Consumer Banking, is the provision of services by abank to individual consumers, rather than to companies, corporations or other banks. Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards. The term is generally used to distinguish these banking services from investment banking, commercial banking or wholesale banking. It may also be used to refer to a division or department of a bank dealing with retail customers.
18. dump pipe:
also dumb network, refers to network that is used simply to transfer bytes between the customer's device and the Internet, while being comletely neutral with regard to the services and applications the consumer accesses.
19. legitimate:
fair or reasonable
20. Stress Testing: 壓力測試
A simulation technique used on asset and liability portfolios (債務(wù)組合) to determine their reactions to different financial situation.
21. newcomer:
any new participant in some activity.
22. water down：
to make a statement, report etc less forceful by changing it or removing parts that may offend people-used to show disapproval.
23. on paper:
If something seems true on paper, it seems to be true as an idea, but may not be true in a real situation.
perfect on paper: 理論完美
24. bare their teeth:
to display an angry, violent, and/or threatening reaction to or against something or someone, as does a dog or wolf when threatened.
25. team up:
to join withvsomeone in order to work on something.
26. arm:
part of a large grouplthat is responsible for a particular activity.
Stander's British arm
27. invoice：發(fā)票
28. current accounts:活期存款賬戶
29. entrant:
someone who takes part in a competition.
30. exploit:
to try to get as much as you can out of a situation, sometimes unfair.
do the most of the lending
mount a challenge
conduct transactions
wave through a transaction
conduct a survey
block competition
神句神詞組練習(xí)
? Topic 2 Levelling the Paying Field
New/European payments regulation has the potential to shake up the banks.
歐洲新興支付監(jiān)管可能對銀行業(yè)形成沖擊。
新出臺的歐洲支付法規(guī)
Shake up: to make changes to an organization in order to make it more effective.一般指帶來重大變化。
European rules will open the door to a host of innovative services that analyze transactions.
歐洲新型規(guī)定將為許多交易【相關(guān)】的創(chuàng)新型服務(wù)打開大門。/將涌現(xiàn)出許多交易分析的創(chuàng)新型服務(wù)。
歐洲法規(guī)將給交易分析相關(guān)的創(chuàng)新服務(wù)帶來更多機(jī)遇。
Open the door/way to something: to make an opportunity for something to happen. 不確定的一定要查！
Customers need barely ever interact with their bank.
顧客幾乎不需與銀行打交道【通過銀行】。
如果這邊一定把interact翻成與銀行互動(dòng),就略顯死板了。大家都習(xí)慣了互聯(lián)網(wǎng)金融，那很多事情就不需要通過銀行啦~
*雙向思考：表達(dá)“不需要通過銀行”的時(shí)候，想起interact with the bank
*4. European retail banking has been remarkably unscathed by technology-driven disruption.
出人意料的是，歐洲零售銀行在科技服務(wù)的干擾下一直獨(dú)善其身。/歐洲零售銀行出乎意料地未受科技服務(wù)沖擊的干擾。
技術(shù)帶來的變革對歐洲零售銀行業(yè)產(chǎn)生的影響微乎其微。
歐洲零售銀行業(yè)幾乎并沒有受到技術(shù)變革的影響。
核心信息remarkably unscathed幾乎毫發(fā)無傷
Remarkably: 明顯地
這里表示明顯未受到損害——微乎其微？
前文盡管有不利的竟是，但是沒受到影響。用“出乎意料地”不太連貫。
Disruption：比較普遍的譯法是：顛覆?，F(xiàn)在各行各業(yè)都在經(jīng)歷巨變
5. Fintech companies are beginning to mount a challenge, most conspicuously in the online-payments industry in northern Europe. But their reach（the influence of their challenge） is more limited elsewhere in Europe.
金融科技公司正【已經(jīng)】開始發(fā)起挑戰(zhàn)，對北歐線上支付產(chǎn)業(yè)的挑戰(zhàn)最為顯著。但是在歐洲其他區(qū)域活動(dòng)范圍就相對受限了。
尤其是在北歐線上支付領(lǐng)域。（自己第一次譯時(shí)出現(xiàn)這種譯法）但對歐洲其他地區(qū)的影響則要小得多
reach,用作名詞時(shí)候和influence一個(gè)意思,用來表達(dá)影響的范圍
E.g. Victory is now out of her reach. /The company has now overtaken IBM in terms of size and reach./Such matters are beyond the reach of the law.
6. Regulators, however, are about to transform the landscape.
而監(jiān)管人員【部門】即將改變這一格局【現(xiàn)狀】。
landscape原意是風(fēng)景，景色，地貌，此處也是暗喻的用法，衍生為局面，局勢。
E.g. Recent electoral shocks have shaken the European political landscape.最近的選舉風(fēng)波震動(dòng)了歐洲政壇。
7. Banks’ lockhold on payments serves as a handy source of income.
銀行牢牢把控各項(xiàng)付款是其獲取收益的一條捷徑。
牢牢把控支付領(lǐng)域使得銀行輕而易舉就能賺錢。
handy這一形容詞值得重視，表示就在手邊，方便容易，唾手可得，聯(lián)想它的原形hand. E.g. Always keep a first-aid kit handy.跟前要常備急救箱/handy little tool好用小工具
8. Resistance is manifesed as a concern about data protection. Such concerns are legitimate but also, argue fintech supporters, offer a convenient excuse for banks to block competition.
反對是對數(shù)據(jù)保護(hù)表示擔(dān)憂，這些顧忌雖合理，但金融科技公司的支持者稱，這為銀行阻止這場競爭提供了一條方便的的理由。
抗拒源自對數(shù)據(jù)保護(hù)的擔(dān)憂，這是合情合理的。但互聯(lián)網(wǎng)金融的支持者們認(rèn)為，這也是銀行抵制競爭的絕佳借口。
Block: 阻止及不進(jìn)行——抵制
9. Yet for all their complaints, customers still trust banks with their money.
但是，雖然銀行有種種抱怨，顧客還是愿意讓銀行代管錢財(cái)。
盡管客戶怨聲載道，但他們依然更信任把錢放在銀行。（前后主語一致）
For all 表示盡管，雖然，等于despite
神詞組:
become overdrawn: 透支
nudge them to save more 督促他們更加節(jié)省 鼓勵(lì)他們增加儲蓄
have easy access to: 很容易享有... 便于...
kick-start competition: 推動(dòng)【引發(fā)】競爭
give explicit consent 明確表示同意
one-click bank transfer: 點(diǎn)擊即銀行轉(zhuǎn)賬 一件轉(zhuǎn)賬
low-value payments: 低額付款 小額支付
tighten up security: 嚴(yán)把安全 加強(qiáng)安全
guide them toward: 引導(dǎo)他們使用...
rich data: 大量數(shù)據(jù) 豐富的數(shù)據(jù)
leave them in a weaker position: 使他們處于不利地位/弱勢
robust data-protection system: 健全【強(qiáng)大的】數(shù)據(jù)保護(hù)體系【系統(tǒng)】
insured against losses from fraud: 防詐騙損失險(xiǎn) 投保以防欺詐造成的損失
perfect on paper: 理論上完美！ 暗示實(shí)際操作起來可能困難重重
team up with: 與...合作
exploit newcomers technology: 發(fā)掘/利用新興公司（新劍建金融科技公司）技術(shù)
? ?利用后來者的技術(shù)
