day4:
1.mortgage:
a.A mortgage is a loan of money which you get from a bank or building society in order to buy a house.
b.If you mortgage your house or land,you use it as a guarantee to a company in order to borrow money from them.
Example: The rest is borrowed from a mortgage lender.
2.dire:
a. Dire is used to emphasize how senior or terrible a situation or event is.
b.If it is incumbent upon you to do something,it is your duty or responsibility to do it.
Synonyms:required,necessary
Example:None requested similarsupport from the incumbent president.
6.cumbersome:
a.Something that is cumbersome is large and heavy and therefore difficult to carry,wear,or handle.
b.A cumbersome system or process is very complicated and inefficient.
Synonyms:inefficient,heavy,awkward
Example:It's process that may be cumbersome and difficult if you use high street banks.
7.rock-bottom:
a.If something has reached rock-bottom,it is at such a low level that it cannot go any lower.
b.If someone has reached rock bottom,they are in such a bad state or are go completely depressed that their situation could not get any worse.
c.A rock-bottom price or level is a very low one,mainly in advertisements.
Example:Reaching rock bottom enabled her to build back up again.
8.dump pipe:
Which regard to a mobile network operator,and term dumb pipe,or dumb network,refers to a network that is used simply to transfer bytes between the customer's device and the internet,while being completely neutral with regard to the services and applications the customer accesses.
9.water down:
a.If you water down a substance,for example food or drink,you add water to is to make it weaker.
b.If something such as a proposal,speech or statement is watered down,it is made with weaker and less forceful,or less likely to make people angry.
10.team up:
If you team up wiith someone,you join them in order to work together for a particular purpose.You can also say that two people or groups team up.
Day 5:
1.New European payments regulation has the potential to shake up the banks.
新欧洲支付方式潜在影响银行。
2.European rules will open the door to a host of innovative services that analyze transactions.
欧洲法则将开启一些分析交易的创新服务大门。
3.Customers need barely ever interact with their bank.
顾客很少与银行联系
4.European retail banking has been remarkably unscathed by technology-driven disruption.
欧洲零售银行受到技术驱动的破坏已经非常明显
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.
科技公司开始面料挑战，最明显的是北欧的在线支付行业，但是它在欧洲其他地方影响力有限
6.Regulators,however,are about to transform the landscape.
然而管理者即将改变现状
7.Banks' lockhold on payments serves as a handy source of income.
银行的支付锁定服务作为一个方便的收入来源
8.Resistance is manifested as a concern about data protection.Such concerns are legitimate but also,argue fintech supporters,often a convenient excuse for banks to block competition.
抵抗作为数据保护关注的点，这种关注点不但是合法的，而且科技公司支持者认为银行阻止竞争提供了一个方便的借口
9.Yet for all the complaints,customers still trust banks with their money.
然而对于所有的抱怨，顾客们仍就相信存储他们的钱的银行
Day6:
become overdraw透支
nudge them to save more鼓励他们增加储蓄
have easy access to引发竞争
give explicit consent明确同意
one-click banktransfer一键转账
low-value payments小额支付
tighten upsecurity加强安全
guide them toward引导他们
rich data丰富的数据
leave them in a weakerposition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投保欺诈造成的损失
perfect on paper理论完美 暗示实际操作起来困难重重
team up with与....合作
exploit newcomers technology利用后来者技术
总结：第一天看完文章觉得作者更偏向于银行，第二天看完觉得好像两个都有侧重。翻译上还是太重于字面意思，有些翻的就不通顺。感觉第二篇文章比第一篇文章更容易，可能跟我们实际生活贴的比较近也更容易理解。因为自己本身学的是金融专业，看这篇文章很顺，也长了知识。感觉现在银行真的是面对很多挑战，前段时间去银行办理国债发现线上比线下方便太多了。银行活期定期的利息都很低，还不如存放在余额宝还可以不受时间的限制。银行卡还存在一个异地问题，有些功能是必须到本地银行办理，就比较麻烦，但是如果不存在异地问题可能在一定程度上就不那么安全。银行真的应该与时俱进，虽然老一辈的人还是更加偏向银行。现在我们可能除了追求高利率更追求方便快捷吧。节约时间在一定程度上就是节约钱。现在互联网金融公司越来越多，跑路的也不少，安全性就显的特别重要，有的时候就是太在意利率了，一味的追求高利率却忽略了安全，总认为它特别靠谱。实际不然。银行和互联网金融公司都各有利弊，要想达到一个较完美的状态，还需要很久。
