Notes on levelling the pay ground
Vocab：
1/Fintech= financial technology互联网金融/金融科技
2/ a host of许多，大量，一大群(替代a lot of，many)
Eg: Open new door to a host of innovative services
If a host of studies are to be believed, marrying these women is asking for trouble.
3/ unscathed未受伤的,安然无恙的，
Eg: Either Merck will manage to ermerge relatively unscathed, or it will find itself crippled.
4/ mount a challenge准备好挑战，发起挑战，跨越高山
Eg: Tension could reach breaking -point after local elections on June 11th,when the pro-serbian opposition will mount a challenge to president Milo.
5/incumbent在职者，现任者；a.现任的，本届的，有责任履行的
Eg: In California both parties rigged districts so that every incumbent would win reelection.
6/cumbersome耗时的，累赘的，繁琐的；不方便的，缺乏效率；冗长的，晦涩的
Eg:Nokia’s Symbian operating system, which powers the x7,is seen as cumbersome and outdated.
7/ tighten up绷紧，加强，使严格
The government is tighten up public security.
Tighten up lending criteria.
8/ wave through挥手示意...通过;顺利完成一项交易
Eg: remarkably,the commission is expected to wave through whatever the foundation’s trustees send it for approval.
9/strong authentication强身份验证方法
There is strong authentication in which an identity is veified using two or more methods such as a password and a cryptographic key.(加密秘钥)
10/ dumb pipe无声管路，哑巴管道，
Today power grids,transport systems and water-distribution systems are essentially networks of dumb pipes.
11/ perfect on paper 理论完美
Sentence :
1/To date , despite dire warnings, European retail banking has been remarkably unscathed by technology-driven disruption.
2/ Provided the customer has given explicit consent,banks will be forced to share customer-account information with licensed financial-services providers.
3/ Perhaps predictably,resistance is manifested as a concern about data protection,more than
Half of the respondent to the PWC survey voiced concer`ns about security and liability.
4/As implementation approaches, the rules will be watered down.
Topic 2 Levelling the Paying Field
1.New European payments regulation has the potential toshake up the banks.
欧洲最新的支付管理机制将使银行的势力范围受到震动。
Vs新出台的欧洲支付法规有可能会给银行业带来巨大冲击。
Shake up一般指带来重大改变,Gambition is shaking up the way we study/Technology is shaking up every industry that we can conceive of. (建议转化为active储备)
为啥我自己做的翻译如此戏剧化？话说的不够到位。
2.European rules willopen the door toa host of innovative servicesthatanalyzetransactions.
欧洲的支付新规，将给一系列创新型服务打开大门，
Vs这些新型服务以分析支付为基础。
欧洲法规将给交易分析相关的创新服务带来更多机遇。
to give someone new opportunities (sometimes + for )The success of that film opened new doors for him.(sometimes + to )Early results show that the new system would open doors to disadvantaged people.
笃师本人特别喜欢这个词组,形象生动又好记,年轻人,多多努力,寻找机遇之门吧~在此之前,请先把这个词组转化为active储备J
3.Customers needbarely everinteract with their bank.
消费者几乎再也不用和银行打交道。
Vs客户几乎都不需要通过银行。
如果这边一定把interact翻成与银行互动,就略显死板了。大家都习惯了互联网金融，那很多事情就不需要通过银行啦~提醒大家双向思考，当你要表达“不需要通过银行”的时候，能否想起interact with the bank这么地道的用法呢？
4.European retail banking has beenremarkably unscathed by technology-driven disruption.
欧洲的零售银行竟然能在这场由科技驱动的冲击中毫发无损。
vs:技术带来的变革对欧洲零售银行业产生的影响微乎其微。
欧洲零售银行业几乎并没有受到技术变革的影响。
两句一个意思，第二句形式上更吻合原句，但第一句通过化被动为主动，突出了核心信息remarkably unscathed几乎毫发无伤。所以，翻译并没有完美的答案，只能无限接近而已~
另外,disruption真的是时下太过火爆的热词，比较普遍的译法是：颠覆。现在各行各业都在经历巨变，上个月笃师做了一个人力资源相关会议，当中就提到某五百强大公司人力资源部门的发展目标即三年内裁员15%，为何？新技术如AI（Artificial Intelligence人工智能）正在颠覆传统HR(Human Resources人力资源）行业，匹配人选，员工培训，薪酬制定等具体工作都可以借助技术高效完成，从而极大程度减少人员介入，好吧，听讲的都是该公司HR部门的员工，他们会不会有如坐针毡之感？？21世纪，没有一劳永逸的铁饭碗，终身学习才是王道鹅~~~
Retail banking, also known as consumer banking, is the provision of services by abankto individual consumers, rather than to companies, corporations or other banks.Services offered includesavingsandtransactional accounts,mortgages,personal loans,debit cards, andcredit cards.The term is generally used to distinguish these banking services frominvestment banking,commercial bankingorwholesale banking.It may also be used to refer to a division or department of a bank dealing with retail customers.
5.Fintech companies arebeginningtomount a challenge, mostconspicuouslyin the online-payments industry in northern Europe. But theirreach is more limitedelsewhere in Europe.
互联网金融正迎难而上，其大部分的网上支付业务在北欧。
但是在欧洲其他地方的影响力比较有限。
Vs：互联网金融公司已经开始发起挑战，尤其是在北欧线上支付领域。但对欧洲其他地区的影响则要小得多。
我看到群里很多同学对mount a challenge表示不解，记住这个常见搭配，表达的意思就是发起挑战，构成威胁。我要提醒大家的是最后那里的reach,用作名词时候和influence一个意思,用来表达影响的范围，简短好用，建议化作积极储备。Eg. Victory is nowout of her reach. /The company has now overtaken IBM in terms of size and reach./Such matters are beyond the reach of the law.
6.Regulators, however, are about totransform the landscape.
然而，监管者们将改变这一局面。
Vs:然而，监管部门即将改变这一现状。landscape原意是风景，景色，地貌，此处也是暗喻的用法，衍生为局面，局势。所以哦，衍生意思和原意都有一定联系，大家稍加联想，便不难理解哦。这种用法非常非常普遍，建议内化。Recent electoral shocks have shaken the European political landscape.最近的选举风波震动了欧洲政坛.
7.Banks’lockhold on payments serves as a handy source of income.
银行手中握有的支付数据，为他们提供了便捷的收入来源。
Vs:牢牢把控支付领域使得银行轻而易举就能赚钱。
lockhold难住了很多同学，这种用法很少见，大家作为被动词汇即可。lock锁住，hold紧握，加在一起就是牢牢把控的意思，同样需要大家联想体会哦。倒是后面的handy这一形容词值得重视，表示就在手边，方便容易，唾手可得，联想它的原形hand好好体会一下。Eg. Always keep a first-aid kit handy.跟前要常备急救箱/handy little tool好用小工具
8.Resistance ismanifested asa concern about data protection. Suchconcerns are legitimatebut also, argue fintech supporters,offer a convenient excuse forbanks toblock competition.
抗拒网上支付主要表现在对于数据保护的担忧，这一担忧有其合理因素，
但于此同时，也为银行阻碍公平竞争提供了便利的借口，
互联网金融的倡导者们如是说。
Vs:抗拒源自对数据保护的担忧，这是合情合理的。但互联网金融的支持者们认为，这也是银行抵制竞争的绝佳借口。
9.Yetfor all their complaints, customersstilltrust banks with their money.
尽管消费者们对银行心怀不满，却仍然放心的把钱交给银行。
Vs:尽管客户怨声载道，但他们依然更信任把钱放在银行。For all表示尽管，虽然，等于despite. Eg. For all its clarity of style, the book is not easy to read.
神词组:
become overdrawn:透支
nudge them to save more鼓励增加积蓄
have easy access to:易于得到，便于
kick-start competition:启动竞争，引发竞争
give explicit consent同意授权，明确同意
one-click bank transfer:动动鼠标就完成的银行转账 ，一键转帐
low-value payments:小额支付
tighten up security:加强安全系数，加强安全
guide them toward:指引消费者投资...引导他们。。。
rich data:丰富的数据
leave them in a weaker position:置于不利地位，使他们处于不利的地位
robust data-protection system:强劲的数据保护体系/系统
insured against losses from fraud:诈骗损失保险，投保以防欺诈造成的损失
perfect on paper:纸上谈兵理论完美！暗示实际操作起来可能困难重重。
team up with:与...结盟，合作
exploit newcomers technology:盘剥新手的技术，利用后来者的技术
�u~Z�K
