1.IN BRITAIN alone millions of people make formal complaints each year

单就一个英国而言，每年就有数以百万计的人提起正式起诉。

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, despite dire warnings, European retail banking has been remarkably unscathed by technology-driven disruption.

to  date=so  far/ by  now/ up  to  now/ by  far,    dire=extreme, unscathced=withou  damage

4.mount  a   challenge,  most  conspiciously  in

mount=gradually  increase, surge, or  get  bigger      conspicious=noticeable,attracting  attention

5.But their reach is more limited elsewhere in Europe. Physical payments are still overwhelmingly made with

cash or bank cards.

本句无生词，一个but给出了线上与线下支付两种支付方式在实际应用中的占比情况。

6.due to be implemented by EU members in January 2018

本句无生词，但监管上新的法令即将执行，导致传统银行某些行为被强制改变。

7.Provided the customer has given explicit consent

provided=if,  assume       explicit  sonsent=明确表达同意

8.strong authentication 强认证        integrate  into=融入

9.rock-bottom interestrates=the  lowest   interest  rates

10.resistance is manifested as a concern about data protection: more than half of respondents to the PwC

survey voiced concerns about security and liability.

这个词体现出新老利益集团博弈之激烈程度。old  money 是不会轻易放弃既得利益的，不由让人想起宝能和万科、格力之争斗。尘埃落定，成王败寇，落得个妖精害人精的称号。但势不可违，等下一轮吧。

11.They will not be subject to the same capital and stress-testingrequirements banks face: but nor will they be licensed to undertake the riskier business of lending.

受

12.are all attributes entrants want to gain by association, just as banks want to exploit newcomers’ technology.

huge  customer  base(众多客户）+low  funding  costs(低存款利息）=attributes(advantage 优势）

exploit=use,  apply,  utilize,  avail  开发， 利用