Day 1
Words
start-up
adj: start-up costs 启动费用
n: an Internet start-up一家新兴网络公司
mortgage
to apply for / take out / pay off a mortgage 申请/取得/还清抵押贷款
mortgage rates (= of interest) 按揭贷款利率
a mortgage on the house 一项房产按揭
a mortgage of £60 000 6 万英镑的按揭贷款
predetermined
a predetermined level of spending 预先确定的开支水平。
The colour of your eyes is predetermined by the colours of your parents' eyes. 眼睛的颜色是由父母眼睛的颜色决定的。
overdrawn
I'm overdrawn by £100. 我透支了 100 英镑。
an overdrawn account 透支的账户
Your accountis£200overdrawn. 您的账户已透支 200 英镑。
My accountis overdrawn by￡300. 我的账户透支了 300 英镑。
unscathed
(not hurt)escape / emerge unscathed
He escaped unscathed from the accident.
他安然无恙地躲过了这场事故。
The government wasrelatively unscathedby the scandal.
政府基本上没有受到这桩丑闻的影响。
disruption
扰乱，打乱，中断:
The strikecausedwide spreaddisruption.
罢工造成了普遍混乱。
conspicuously
In a clearly visble way
his arguments conspicuously lack rigour
mount a challenge
incumbents
the incumbent president
the present incumbent of the White House
It was incumbent on them to attend.
resilient
可迅速恢复的；有适应力的:
Children are often very resilient.
He'll get over it—young people are amazingly resilient.
有弹性(或弹力)的；能复原的:
boots with tough resilient soles
block
a blocked sink
kick-start
1.to start a motorcycle by pushing down a lever with your foot
2.to do sth to help a process or project start more quickly
The government's attempt to kick-start the economy has failed.
政府刺激经济的努力失败了。
explicit consent
明确同意
enabling
〔法律〕使可能的，授予权力的
authentication
n.证明,鉴定
passport authentication 身份验证
rock-bottom
1.a rock-bottom price is as low as it can possibly be
bargain holidays atrock-bottom prices最低价的特价度假产品
predictably
as expected
Predictably, after the initial media interest, the refugees now seem to have been forgotten. 不出所料，媒体最初的兴趣过后，现在看来难民们已被忘记了。
resistance
1. ~ (to sb / sth) dislike of or opposition to a plan, an idea, etc.; refusal to obey
As with all new ideas it met with resistance.
和所有的新观念一样,它受到了抵制。
2. ~ (to sb / sth )the act of using force to oppose sb / sth
armed resistance 武装反抗
The defendersput up a strong resistance. 保衞者进行了顽强的抵抗。
fraud
1. the crime of cheating sb in order to get money or goods illegall
She was charged with credit card fraud.
她被控告信用卡欺骗罪。
2. a person who pretends to have qualities, abilities, etc. that they do not really have in order to cheat other people
He's nothing but a liar and a fraud.
他只不过是个撒谎者和骗子。
entrant
~ (to sth)
1.a person who has recently joined a profession, university, etc.
新职员；新生；新会员；新成员:
new women entrants to the police force 新加入警察部队的女警察
university entrants 大学新生
2.a person or an animal that enters a race or a competition; a person that enters an exam
参赛者(或动物)；考生
exploit
1.(disapproving) to treat a person or situation as an opportunity to gain an advantage for yourself 利用(…为自己谋利):
He exploited his father's name to get himself a job.
他利用他父亲的名声为自己找到一份工作。
2.(disapproving) to treat sb unfairly by making them work and not giving them much in return 剥削；榨取:
What is being done to stop employers from exploiting young people?
目前有什么措施制止雇主剥削年轻人呢？
3.to use sth well in order to gain as much from it as possible运用；利用；发挥:
She fully exploits the humour of her role in the play.
她在剧中把她那个角色的幽默发挥得淋漓尽致。
4.~ sth (for sth)to develop or use sth for business or industry 开发；开采；开拓:
countries exploiting the rainforests for hardwood
为获取硬木而开发热带雨林的国家
No minerals have yet been exploited in Antarctica.
南极洲的矿藏还未开采。
confrontation
~ (with sb)|~ (between A and B)a situation in which there is an angry disagreement between people or groups who have different opinions
对抗；对峙；冲突:
She wanted to avoid another confrontation with her father.
她想避免和父亲再次发生冲突。
confrontation between employers and unions
资方与工会之间的对峙
Phrases
Levelling the paying field
-level the playing field
shake up:
If someone shakes up something such as an organization, an institution, or a profession, they make major changes to it.The government wanted to reform the
-institutions, to shake up the country...
-Shareholders are preparing to shake things up in the boardrooms of America.
If you are shaken up or shook up by an unpleasant experience, it makes you feel shocked and upset, and unable to think calmly or clearly.
-The jockeywas shaken upwhen he was thrown twice from his horse yesterday...
-He was in the car when those people died. That reallyshook him up...
a host of
This has been done througha host ofbooks, autobiographies and forms.
To date
up to now, yet, so far,until now, now, as yet, thus far, up to this point, up to the present
internet-browsing
互联网浏览
a handy source of
一个方便的来源
retail-banking
banking for individual customers
dumb pipe
笨水管
对一家移动通信业者来说，笨水管（dumb pipe），或笨网络(dumb network）一词指一家业者的网络只用于在用户的设备与互联网之间传输比特。「笨」这个字的意思是指业者无法限制服务及应用通过其门户，而主要只会提供简单的带宽与连接速率。
leave them in a weaker position
让他们处于弱势地位
be subject to
受支配，从属于；常遭受…；有…倾向的
be watered down
被冲淡
bared their teeth
露出牙齿
teamed up with
与……合作
track cashflow and invoices
跟踪现金流和发票
Day 2
神句翻译：
1.New European payments regulation has thepotential toshake up the banks.
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
2.European rules will open the door to a host of innovative servicesthat analyze transactions.
欧洲法规将给交易分析相关的创新服务带来更多机遇。
3.Customers needbarely everinteract with their bank.
客户几乎都不需要通过银行。
4.European retail banking has beenremarkablyunscathed by technology-driven disruption.
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。
5.Fintech companies are beginning tomount a challenge, mostconspicuouslyin the online-payments industry in northern Europe. But theirreach is more limited else where in Europe.
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。
6.Regulators, however, are about totransform the landscape.
然而，监管部门即将改变这一现状。
7.Banks’ lockhold on paymentsserves as a handy source of income.
牢牢把控支付领域使得银行轻而易举就能赚钱。
8.Resistance ismanifested asa concernabout data protection. Suchconcerns are legitimatebut also, argue fintech supporters, offer a convenient excuse forbanks to block competition.
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.
尽管客户怨声载道，但他们依然更信任把钱放在银行。
神词组:
become overdrawn:
透支
nudge them to save more
鼓励他们增加储蓄
have easy access to:
便于……
kick-start competition:
引发竞争
give explicit consent
明确同意
one-click bank transfer:
一键转账
low-value payments:
小额支付
tighten up security:
加强安全
guide them toward:
引导他们
rich data:
丰富的数据
leave them in a weaker position:
使他们处于不利地位
robust data-protection system:
强大的数据保护系统
insured against losses from fraud:
投保以防欺诈造成的损失
perfect on paper:
理论完美！暗示实际操作起来可能困难重重。
team up with：
与….合作
exploit newcomers technology:
利用后来者的技术
思维导图：
Day 3
感想：
随着科技的进步，越来越多的人力已经被机器取代。人工智能的到来，更是让原来所谓“铁饭碗”的行业受到严重冲击，终身学习已成必然。