【Day 4】單詞梳理
1.transaction
noun
- a piece of business that is done between people, especially an act of buying or selling交易，業(yè)務，買賣
=deal
e.g. financial transactions between companies
- the process of doing something辦理，處理
e.g. the transaction of government business
2.dire
adj
- very serious 極其嚴重的，危急的
e.g. Such action may have dire consequences.
in dire straits = in a very difficult situations
- very bad極糟的，極差的
e.g. the action is dire.
3.unscathed
adj
- not hurt未受傷害，未受傷
=unharmed
e.g.The hostages emerged from their ordeal unscathed.
4.resilient
adj:
- able to feel better quickly after something unpleasant such as shock, injury, etc.可迅速恢復的，有適應力的
e.g. He'll get over it—young people are amazingly resilient.
- (of a substance) returning to its original shape after being bent, stretched, or pressed有彈性的，能復原的
5.payment services directive
支付服務指南
6.dumb pipes
啞管道，只是提供了基礎服務，并不參與到增值服務中去。銀行提供了一些用戶賬戶信息，但是沒有利用這些進行一些增值服務。
7.water down
- to make a liquid weaker by adding water加水沖淡，摻水稀釋
=dilute
- to change a speech, a piece of writing, etc. in order to make it less strong or offensive緩和語氣，輕描淡寫
8.bare there teeth
- to show your teeth in an aggressive and threatening way露出獠牙（帶有侵略性和威脅）
bare your soul:to tell somebody your deepest and most private feelings袒露心扉
9.team up with
和。。結隊，合作，達成聯盟
10.familiarity
noun
-the state of knowing somebody/something well; the state of recognizing somebody/something熟悉，認識
e.g. His familiarity with the language helped him enjoy his stay.
- a friendly informal manner友好隨和，親近
e.g. She addressed me with an easy familiarity that made me feel at home.
11.confrontation
noun
- a situation in which there is an angry disagreement between people or groups who have different opinions對抗，對峙，沖突
e.g. She wanted to avoid another confrontation with her father.
【Day 5】翻譯&邏輯導圖
翻譯句子
1. New European payments regulation has the potential to shake up the banks.
新的歐洲交易制度有潛力沖擊傳統(tǒng)銀行。
2.European rules will open the door to a host of innovative services that analyze transactions.
歐洲制度可能開啟一扇通往分析日常交易的新穎服務的大門
3.Customers need barely ever interact with their bank.
消費者幾乎不需要和銀行交互。
4.European retail banking has been remarkably unscathed by technology-driven disruption.
歐洲銀行沒有受到這場技術推動的破壞的影響。
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.
金融技術公司正在進行挑戰(zhàn)，最顯著的是北歐的線上交易行業(yè)。但是這項成果在歐洲的其他地方受到了更多限制。
6.Regulators, however, are about to transform the landscape.
然而，監(jiān)管者準備去轉變這種情形。
7.Banks’ lockhold on payments serves as a handy source of income.
銀行對交易數據的獨占是一種可觀的收入來源
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.
最明顯的阻力是關于數據保護的擔憂。這些擔憂是合理的，但同時金融技術的擁護者們爭論說這也不過為銀行去阻止競爭提供了方便的借口。
9.Yet for all their complaints, customers still trust banks with their money.
盡管有這些抱怨，消費者還是更愿意將錢交給銀行。
翻譯詞組
1. become overdrawn 超支
2. nudge them to save more 逼他們存更多錢
3. have easy access to 更方便接入
4. kick-start competition:發(fā)動競爭
5. give explicit consent提供明確的允許
6. one-click bank transfer一鍵轉賬
7. low-value payments:小額消費
8. tighten up security:加強安全
9. guide them toward 對。。提供指導
10. rich data：豐富的數據
11. leave them in a weaker position:使他們處于弱勢
12. robust data-protection system強壯的數據保護系統(tǒng)
13. insured against losses from fraud:保證免于詐騙
14. perfect on paper：理論分析很完美
15. team up with:和。。合作
16. exploit newcomers' technology開發(fā)新技術
思維導圖
【Day 6】總結
一種新的技術出現總是會對傳統(tǒng)行業(yè)產生沖擊。在起初，新技術可能是不被接受的，畢竟消費者還沒有那么熟悉也沒有那么信任，但隨著新技術行業(yè)的完善，提供給消費者更方便更優(yōu)質的服務，也就能慢慢被接受了。這時候傳統(tǒng)企業(yè)不能固步自封，畢竟這是一個變化太快的社會，要接受新技術的存在，自己利用其創(chuàng)新性，再基于自己的雄厚基礎，可能能比一些新興企業(yè)走在被消費者熟知的前頭。
這也就是現在的行業(yè)現狀吧，初創(chuàng)企業(yè)有想法，但沒有足夠的資源，因此像bat這種有技術前瞻性的公司，很容易利用新型技術發(fā)展自己。所謂的創(chuàng)業(yè)公司也就只能賣賣創(chuàng)意了……
嗯創(chuàng)業(yè)很難，有想法之后，還必須要盡快實現，不然被大公司趕超，也就很容易前功盡棄了。這也就是越龐大的大公司，會越來越龐大，將觸角深入到任何領域，都能打擊相當大一部分企業(yè)，留給小公司的市場已經不多了…
不過只要是給現代社會提供方便，促進社會發(fā)展的想法，都是值得努力拼一把的，至于市場形勢，企業(yè)和政府一起調控唄～（說了點亂七八糟的…文章很有現實意義。
