【words & phrases】
startup n.初創公司
overdraw
V. to draw on (a bank account) in excess of the credit balance 透支(銀行賬戶)
dire
1. adj. Dire is used to emphasize how serious or terrible a situation or event is. 嚴重的; 可怕的強調
2. adj. If you describe something as dire, you are emphasizing that it is of very low quality. 質量低劣的
unscathed
adj. If you are unscathed after a dangerous experience, you have not been injured or harmed by it. 未受傷的; 未受傷害的
conspicuously ?adv. 明顯地
incumbent
1. N-COUNT An incumbent is someone who holds an official post at a particular time. 在職者
2. adj. Incumbent is also an adjective. 在職的
3. adj. If it is incumbent on or upon you to do something, it is your duty or responsibility to do it. 有責任履行的
eg. She felt it was incumbent on herself to act immediately.她感到立即采取行動是她義不容辭的責任。
resilient
1. adj. Something that is resilient is strong and not easily damaged by being hit, stretched, or squeezed. 有彈性的
...an armchair of some resilient plastic material.…一把由某種彈性塑料制成的扶手椅。
2. N-UNCOUNT 彈性
Do you feel that your muscles do not have the strength and resilience that they should have?你覺得你的肌肉不具備它應有的力量和彈性了嗎？
3. adj. People and things that are resilient are able to recover easily and quickly from unpleasant or damaging events. 立即復原的
eg. When the U.S. stock market collapsed in October 1987, the Japanese stock market was the most resilient.當美國股市在1987年10月崩盤時，日本股市是最快復蘇的。
cumbersome
1. adj. Something that is cumbersome is large and heavy and therefore difficult to carry, wear, or handle. 笨重的
2. adj. A cumbersome system or process is very complicated and inefficient. 不方便的; 缺乏效率的
eg ...an old and cumbersome computer system.…陳舊而效率低下的計算機系統。
Kick-start
1. V-T To kick-start a process that has stopped working or progressing is to take a course of action that will quickly start it going again. 重振
eg. The president has chosen to kick-start the economy by slashing interest rates.總統已經決定通過大幅度降低利率重振經濟。
2.N-COUNT 重振
eg.The housing market needs a kick-start.房產市場需要重振。
3. V-T If you kick-start a motorcycle, you press the lever that starts it with your foot. 腳踏啟動
eg. He lifted the bike off its stand and kick-started it.他把摩托車從展臺上搬下來并用腳發動了它。
authentication
n. 證明；鑒定；證實
Sophisticated
1. adj. A sophisticated machine, device, or method is more advanced or complex than others. 高級的; 復雜的
Honeybees use one of the most sophisticated communication systems of any insect.蜜蜂所使用的交流系統是昆蟲中最復雜的之一。
2. adj. Someone who is sophisticated is comfortable in social situations and knows about culture, fashion, and other matters that are considered socially important. 老練的; 久經世故的
Claude was a charming, sophisticated companion.克勞德是個有魅力、見多識廣的伙伴。
rock-bottom
1.N-UNCOUNT If something has reached rock bottom, it is at such a low level that it cannot go any lower. 最低谷eg.Morale in the armed forces was at rock bottom.那時軍隊的士氣處在最低谷。2.adj. A rock-bottom price or level is a very low one, mainly in advertisements. 底線的 (價格、水平)表贊許eg.What they do offer is a good product at a rock-bottom price.他們真正提供的是一種以價格在底線的優質產品。
consultancy n.咨詢公司
lockhold
dumb pipes
就是具體業務和利潤都可能被fintech搶占，銀行就好像管道，錢進來錢出去，但服務利潤都被fintech搶了，目前還只是擔心階段
manifested
adj. 證明的；已顯示的；顯然的
v. 顯示；證明（manifest的過去分詞）
legitimate1. adj. Something that is legitimate is acceptable according to the law. 合法的2. adj. If you say that something such as a feeling or claim is legitimate, you think that it is reasonable and justified. 合理的eg. That's a perfectly legitimate fear.那是種完全合乎邏輯的恐懼
robust
1.adj. Someone or something that is robust is very strong or healthy. 健壯的2. adj. Robust views or opinions are strongly held and forcefully expressed. 強有力的 (觀點、見解)eg. The Secretary of State has made a robust defence of the agreement.國務卿對這項協議進行了強有力的辯護。fraud
n. 欺詐；騙子；騙局
confrontation
N-VAR A confrontation is a dispute, fight, or battle between two groups of people. 爭執; 對抗
eg. The commission remains so weak that it will continue to avoid confrontation with governments.
該委員會依然如此弱小以致它將繼續避免和各政府的沖突。
