积累词汇：
1.levelling :使....平整 eg：levelling the paying field
2.sth has potential to shake up sth..有潜力撼动
3.sth will open the door to Sb=to give someone opportunities
4.need barely ever sth..几乎不需要
5.interact with sb
6.金融方面词汇：Retail banking, corporations ，transactional accounts, mortgages, personal loans, debit cards, and credit cards，disruption 颠覆
7.mount a challenge 发起挑战
8.lockhold 紧紧把控
9.for all 尽管 =despite e.g.: For all its clarity of style, the book is not easy to read.
10.kick-start competition 引发竞争
11.tighten up security 加强安全。
补一下思维导图：
关于文章的总结：
With the development of the society ,more an more new technologies are put into our daily life,including one -click payments ,financial service applications via using telephone and so on,which change the lifestyle a lot comparing with the old days,in another words,inspiring the next is inevitable .For finiancal field,an increasing number of fintech firms and strat up companies provide more convenient and customizable products for clients to deal with their accounts and savings,such as offer individuals budgeting advices ,guide them towards higher-interest savings or cheap mortgages.On the one hand ,it's a positive trend that people in nowadays do not need to rely on banks to manage their deposit as people used to.Also,there is no denying that it alters people' opinions about whether put their money in banks or not.At any rate,in my view ,it does more good than harm.On the other hand,levelling the paying field has potential to shake up the status of banks in foreseeable future,which worries the bank bosses a lot.Cooperating or not,is a question. After a series of revaluation recent years,banks still possess some privileges that innovative firms do not have.For instance,such firms have no choice but to depend on the massive information of customers from banks that allows banks to decide whether to give or decline.However,this situation is likely to disrupt due to the regulations.It is interested to notice that some countries governments force banks to share their sources whenever firms need.All in all,banks gradually loose their advantages and positions.One thing have to mention is that some banks choice to team up with these companies through sharing new technologies and information. For all worrying security and risk of fintech,people will accept this new lifestyle step by step.
