思维导图：
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。
与….合作
exploit newcomers technology:
利用后来者的技术
