day4
1、shake up 重组
2、innovative services 创新服务
3、a predetermined amount 预定量
4、overdraw 透支
例句：Nick's bank sent him a letter saying he was £ 100 overdrawn
银行致函尼克，称他透支了100英镑。
5、nudge them to save more 哄他们省更多钱
词组：to nudge [somebody] to do [something];
哄某人做某事
6、dire warnings 可怖的预兆
7、unscathed 未受损伤的; 未受伤害的;
例句：Tony emerged unscathed apart from a severely bruised finger
托尼除了一根手指严重淤青外没有受到其他伤害。
8、Financial technology互联网金融
9、 mount a challenge 遇到一个挑战
10、incumbent 有责任的
例句：it is incumbent on or upon [somebody] to do [something];
某人有责任做某事
11、cumbersome 累赘的
12、transaction 交易
词组：a legal transaction
合法交易
a cash/credit card transaction
现金/信用卡交易
13、The Payments Services Directive 2
背景知识：The Payment Services Directive(PSD, 2007/64/EC) is an EU Directive, administered by the European Commission (Directorate General Internal Market) to regulate payment services and payment service providers throughout the European Union (EU) and European Economic Area (EEA). The Directive's purpose was to increase pan-European competition and participation in the payments industry also from non-banks, and to provide for a level playing field by harmonizing consumer protection and the rights and obligations for payment providers and users.
14、explicit consent 明确同意
15、dumb pipes 哑管道
day5
New European payments regulation has the potential to shake up the banks.
新的欧洲支付条例可能撼动银行界。
European rules will open the door to a host of innovative services that analyze transactions.
欧洲新的支付条例将为分析交易的创新服务开辟新天地。
Customers need barely ever interact with their bank.
客户几乎不需要与银行互动。
European retail banking has been remarkably unscathed by technology-driven disruption.
欧洲银行业正极大程度的受到互联网金融的干扰。
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.
互联网金融企业正在搞大事情，主要是在北欧的网上支付产业，但是他们能涉及到的区域也就仅限于欧洲。
Regulators, however, are about to transform the landscape.
然而监管机构正要改变这一景象。
Banks’ lockhold on payments serves as a handy source of income.
在公债上的支付已经成为银行收入的便捷来源。
Resistance is manifested as a concern about data protection. Such concerns are legitimate but also, argue fintech supporters, offer a convenient excuse for banks to block competition.
这种抗拒表现为关注数据保护。互联网金融支持者认为这样的担忧是合理的，而且也提供银行一个阻止竞争的方便的借口。
Yet for all their complaints, customers still trust banks with their money.
然而尽管顾客们经常抱怨，他们仍然非常信任的把钱存在银行里。
神词组:
become overdrawn: 即将透支
nudge them to save more 鼓励他们省钱
have easy access to: 容易得到
kick-start competition:启动竞争
give explicit consent明确同意
one-click bank transfer: 银行转账
low-value payments: 小额支付
tighten up security: 加强安全性
guide them toward: 引领他们
rich data: 大数据
leave them in a weaker position: 处于劣势
robust data-protection system: 强大的数据安全系统
insured against losses from fraud: 投保欺诈
perfect on paper: 纸上谈兵
team up with: 与。。。合作
exploit newcomers technology: 利用新技术
day6
初读这篇文章，感觉讲了互联网金融和银行的优缺点，其中提到一个psd2，有点一头雾水不知道文章的脉络是什么。看到群里笃师说这是互联网金融和银行围绕psd2进行博弈的动态过程，于是再看一遍文章就好理解多了，之前一直觉得画思维导图是按照文章的顺序画的，这张思维导图的画法是要抽丝剥茧，和文章顺序关系不大。感觉对画思维导图有了新的认识。
不过我在读这两篇文章的时候发现，自己读外刊时，前面往往能读得很细致，但是到了后面就不自觉的走神了，导致我后面的内容会看不进去，这要怎么解决呢。。。
