【Day 4】单词梳理
1.transaction
noun
- a piece of business that is done between people, especially an act of buying or selling交易，业务，买卖
=deal
e.g. financial transactions between companies
- the process of doing something办理，处理
e.g. the transaction of government business
2.dire
adj
- very serious 极其严重的，危急的
e.g. Such action may have dire consequences.
in dire straits = in a very difficult situations
- very bad极糟的，极差的
e.g. the action is dire.
3.unscathed
adj
- not hurt未受伤害，未受伤
=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.可迅速恢复的，有适应力的
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有弹性的，能复原的
5.payment services directive
支付服务指南
6.dumb pipes
哑管道，只是提供了基础服务，并不参与到增值服务中去。银行提供了一些用户账户信息，但是没有利用这些进行一些增值服务。
7.water down
- to make a liquid weaker by adding water加水冲淡，掺水稀释
=dilute
- to change a speech, a piece of writing, etc. in order to make it less strong or offensive缓和语气，轻描淡写
8.bare there teeth
- to show your teeth in an aggressive and threatening way露出獠牙（带有侵略性和威胁）
bare your soul:to tell somebody your deepest and most private feelings袒露心扉
9.team up with
和。。结队，合作，达成联盟
10.familiarity
noun
-the state of knowing somebody/something well; the state of recognizing somebody/something熟悉，认识
e.g. His familiarity with the language helped him enjoy his stay.
- a friendly informal manner友好随和，亲近
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对抗，对峙，冲突
e.g. She wanted to avoid another confrontation with her father.
【Day 5】翻译&逻辑导图
翻译句子
1. New European payments regulation has the potential to shake up the banks.
新的欧洲交易制度有潜力冲击传统银行。
2.European rules will open the door to a host of innovative services that analyze transactions.
欧洲制度可能开启一扇通往分析日常交易的新颖服务的大门
3.Customers need barely ever interact with their bank.
消费者几乎不需要和银行交互。
4.European retail banking has been remarkably unscathed by technology-driven disruption.
欧洲银行没有受到这场技术推动的破坏的影响。
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.
金融技术公司正在进行挑战，最显著的是北欧的线上交易行业。但是这项成果在欧洲的其他地方受到了更多限制。
6.Regulators, however, are about to transform the landscape.
然而，监管者准备去转变这种情形。
7.Banks’ lockhold on payments serves as a handy source of income.
银行对交易数据的独占是一种可观的收入来源
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.
最明显的阻力是关于数据保护的担忧。这些担忧是合理的，但同时金融技术的拥护者们争论说这也不过为银行去阻止竞争提供了方便的借口。
9.Yet for all their complaints, customers still trust banks with their money.
尽管有这些抱怨，消费者还是更愿意将钱交给银行。
翻译词组
1. become overdrawn 超支
2. nudge them to save more 逼他们存更多钱
3. have easy access to 更方便接入
4. kick-start competition:发动竞争
5. give explicit consent提供明确的允许
6. one-click bank transfer一键转账
7. low-value payments:小额消费
8. tighten up security:加强安全
9. guide them toward 对。。提供指导
10. rich data：丰富的数据
11. leave them in a weaker position:使他们处于弱势
12. robust data-protection system强壮的数据保护系统
13. insured against losses from fraud:保证免于诈骗
14. perfect on paper：理论分析很完美
15. team up with:和。。合作
16. exploit newcomers' technology开发新技术
思维导图
【Day 6】总结
一种新的技术出现总是会对传统行业产生冲击。在起初，新技术可能是不被接受的，毕竟消费者还没有那么熟悉也没有那么信任，但随着新技术行业的完善，提供给消费者更方便更优质的服务，也就能慢慢被接受了。这时候传统企业不能固步自封，毕竟这是一个变化太快的社会，要接受新技术的存在，自己利用其创新性，再基于自己的雄厚基础，可能能比一些新兴企业走在被消费者熟知的前头。
这也就是现在的行业现状吧，初创企业有想法，但没有足够的资源，因此像bat这种有技术前瞻性的公司，很容易利用新型技术发展自己。所谓的创业公司也就只能卖卖创意了……
嗯创业很难，有想法之后，还必须要尽快实现，不然被大公司赶超，也就很容易前功尽弃了。这也就是越庞大的大公司，会越来越庞大，将触角深入到任何领域，都能打击相当大一部分企业，留给小公司的市场已经不多了…
不过只要是给现代社会提供方便，促进社会发展的想法，都是值得努力拼一把的，至于市场形势，企业和政府一起调控呗～（说了点乱七八糟的…文章很有现实意义。
