Day4:
1.IN BRITAIN?alone?millions of people make?formal complaints?each year
單就一個英國而言，每年就有數以百萬計的人提起正式起訴。
It ?is ?a ?virtue ?for ?people from ?different ?cultures, religions ?and ?colours ?united ?to ?beat ?United ?Airlines.
2.nudge?them to save more
see ?nudge ?again, ?means ?propel ?people ?slightly ?or ?guide ?them ?to ?save ?money.
3.To date, despitedirewarnings, European retail banking has been remarkablyunscathedby technology-drivendisruption.
to ?date=so ?far/ by ?now/ up ?to ?now/ by ?far, ? ?dire=extreme, unscathced=withou ?damage
4.mount ?a ? challenge, ?mostconspiciouslyin
mount=gradually ?increase, surge, or ?get ?bigger ? ? ?conspicious=noticeable,attracting ?attention
5.Buttheir reach is more?limited elsewhere in Europe. Physical payments are still overwhelmingly made with
cash or bank cards.
本句無生詞，一個but給出了線上與線下支付兩種支付方式在實際應用中的占比情況。
6.due to?be implemented by EU members in January 2018
本句無生詞，但監管上新的法令即將執行，導致傳統銀行某些行為被強制改變。
7.Provided?the?customer has givenexplicit consent
provided=if, ?assume ? ? ? explicit ?sonsent=明確表達同意
8.strong authentication 強認證 ? ? ? ?integrate ?into=融入
9.rock-bottom?interest rates=the ?lowest ? interest ?rates
10.resistanceis manifested as a concern about data protection:?more than half of respondents to the PwC
survey voiced concerns about security and?liability.
這個詞體現出新老利益集團博弈之激烈程度。old ?money 是不會輕易放棄既得利益的，不由讓人想起寶能和萬科、格力之爭斗。塵埃落定，成王敗寇，落得個妖精害人精的稱號。但勢不可違，等下一輪吧。
11.They will?not?be subject to?the same capital and?stress-testing requirements banks face: but?nor will they be licensed to undertake the?riskier business of lending.
受
12.are al lattributes entrants?want to gain by association, just as banks want to?exploit?newcomers’ technology.
huge ?customer ?base(眾多客戶）+low ?funding ?costs(低存款利息）=attributes(advantage 優勢）
exploit=use, ?apply, ?utilize, ?avail ?開發， 利用
Day5:
Day6:
Technology? is? manifested? as? a? driving? force? for? development,? which? team? up? with? industry? and? agriculture,? offer? verious? of? convinient? seveces.? A? mobile? phone,? nowdays,? used? not? only? to? make? a? call,? but? also? have? teleconference,? watch? movies,? play? games? or? pay? credit? card,? for? example.
As ?Chinese ?gorvenment ?propelling ?ecnomic ?reform, ?relative ?rules ?will ?open ?the ?door ?to ?fintech ?companies ?that ?are ?expected ?to ?expand ?financial ?channels ?and ?facilitate ?effcient ?work ?flow. ?However, ?it ?is ?proved ?to ?be ?pefect ?on ?paper. ?Kinds ?of ?P2P ?businesses ?have ? easy ?access ?to ?collect ?money ?unofficially ?through ?internet, ?what's ?more, ?some ? ?of ?them ?loan ?sharks ?to ?girl ?students, ?who ?have ?to ?use ?nude ?and ?sex ?vedios ?as ?collateral, ?and ?nudge ?them ?to ?overdraw. ?According ?to ?calculation, ?losses ?from ?fintech ?fraud ?is ?surging, ?that ?means ?illegall ?orgernizations ?exploit ?new ?technology ?to ?level ?people ?in ?a ?weaker ?position.
More ?and ?more ?cases ?shake up ?the ?gorvenment ?and ?make ?it ?realize, ?technology ?combined ?with ?illegal ?companies ?without ?regulation, ?just ?a ?handy ?sauce ?of ?income. ?So, ?regulators ?must ?extremely ?restrict ?financial ?liberalization ?as ?well ?as ?tight ?up ?sercurity ?of ?whole ?system, ?meanwhile, ?guide ?them ?toward ?to ?a ?legitimate-frame.
It ?takes ?time ?to ?transform ?the ?landscape, ?and ?also ?we ?take ?barely ?ever ?advantage ?of ?merchant, ?so ?remember ?that, ?no ?greey, ?no ?lost.
