词汇、短语、句子等：
1.has the potential to shake up the banks 具有震撼银行的潜力
2.make formal complaints each year about their banks 每年都会开正式会议抱怨银行
3.founder of 创始人、创办人
4.mortgage 抵押借款
5.predetermined account 预算
6.overdrawn account 透支账户
7.to date据记载
8.has been remarkably unscathed by technology-driven disruption 在技术驱动破坏下并未受到明显损伤
9.mount a challenge 遇到、应对挑战
10.online-payments industry 网上支付企业
11.Kick-start competition 启动竞争
12.explicitconsent 明确同意
13.Budgeting advice 保守意见
14.Such concerns are legitimate but arguefintech supporters, offer a convenient excuse for banks to block competition. 这些担忧是合情合理的，但是又会争论金融科技拥护者们为银行提供一个可靠的借口阻碍竞争。
15.Robust 强健的
