Day 1 單詞作業(yè)
Phrases
1. shake up
sth: to cause large changes in sth such as an organization, usually in order to make improvements
New European payments regulation has the potential to shake up the banks. 對...造成沖擊
Technology changes have shaken up many industries.
The first thing the new chairman of the company did was to shake up the management.
sb: If an unpleasant experience shakes sb up, it makes them feel shocked and upset
I think she was quite shaken up by the accident.
2. make complaints about
In Britain alone millions of people make formal complaints each year about their banks.
file/ lodge a complaint; deal with/ handle/ investigate a complaint; cause/ grounds for complaint
Do you have any?grounds for complaint (= reason to formally complain)?
3. to date
(formal) up to the present time
To date, despite dire warnings, European retail banking has been remarkably unscathed by technology-driven disruption.
This novel is his best work to date.
4. tighten up
to make a rule, system, or law stronger and more difficult to avoid or ignore
Security for payments above $32 will be tightened up, with customers having to provide two pieces of secret information (" strong authentication") to?wave through?a transaction.
Are there any plans to tighten up?on?advertising controls?
5. insure against
to do sth in order to prevent sth unpleasant from happening or from affecting you
As they are also required to be insured against losses from fraud.
We thought we'd insure against rain by putting a tent up where people could take shelter.
6. be subject to 遭受著；面臨著
to have or experience a particular thing, esp. sth unpleasant
They will not be subject to the same capital and stress-testing requirements banks face.
Cars are subject to a high domestic tax.
In recent years, she has been subject to attacks of depression.
(adj) subject to 取決于...; 視...而定
only able to happen if sth else happens
We plan to go on Wednesday, subject to your approval.
Moving all the books should not take long, subject to there being (= if there are) enough helpers.
(v) subject sb/sth to sth 使服從
(often passive): to make someone or sth experience an unpleasant or worry thing
The inquiry found that they had been subjected to unfair treatment.
At the very least, the court should make itself subject to the code of conduct that applies to the rest of the federal judiciary.
7. water down
to deliberately make an idea or opinion less extreme, usually so that other people will accept it
As implementation approaches, the rules will be watered down.
The party has watered down its ideals in order to appeal to the centre ground.
8. bare one's teeth
But regulators have already bared their teeth.
Now it has had to cut back on the internal focus groups and bare its teeth.
He became nervous when the dog growled and bared its teeth at him (= showed its teeth to him).
bare your heart/ soul to
to tell sb your secret thoughts and feelings
We don't know each other that well. I certainly wouldn't bare my soul?to?her.
Words
1. overdrawn (adj) 透支
having taken more money out of your bank account than the account contained
Apps could warn account-holders if they spend more than a predetermined amount or are about to become overdrawn.
They were overdrawn by $150, so they couldn't write any cheques.
The account was overdrawn.
overdraw (v) 透支
withdraw (v) 取錢
This credit card allows you to withdraw up to $200 a day from?cash dispensers.(自動取款機）
2. nudge (v)
push sth or sb gently
Apps could even nudge them to save more.
The children were giggling and nudging each other.
to move slowly and almost reach a higher point or level
Walmart already has revenues nudging 500bn and is beefing up online.
Oil prices continue to nudge higher.
Peter must be nudging 40 now.
3. dire
very serious or exteme
To date, despite dire?warnings, European retail banking has been remarkably unscathed by technology-driven disruption.
These people are in dire?need?of help.
He gave a dire?warning?that an earthquake was imminent. (coming or likely to happen very soon)
This decision will have dire?consequences?for local people.
4. unscathed (adj)
(after verb) without injuries or damage being caused
To date, despite dire warnings, European retail banking has been remarkably unscathed by technology-driven disruption.
Her husband died in the accident but she, amazingly, escaped unscathed.
5. mount (v)
to organize and begin an an activity or event 發(fā)起
mount an attack/ campaign/ challenge/ protest
mount a display/ exhibition
Financial-technology companies are beginning to mount a?challenge, most conspicuously in the online-payments industry in northern Europe.
to gradually increase, rise, or get bigger
The children's excitement is mounting as Christmas gets nearer.
表示上升的動詞：jump; increase; go up; rise; soar; mount
6. conspicuous (adj)
very noticeable or attracting attention, often in a way that is not wanted
He tried not to?look?conspicuous and moved slowly along the back of the room.
conspicuously (adv)
Financial-technology companies are beginning to mount a?challenge, most conspicuously in the online-payments industry in northern Europe.
The temple's grand white arches rose conspicuously over the dirty decaying city.
7. incumbent
(n) the person who has or had a particular official position
One reason incumbents have proved so resilient is that fintech firms lack the customer-transaction information they need to provide many financial services.
The?present?incumbent (of?the post) is due to retire next month.
(adj) officially having the named position
The incumbent president faces problems which began many years before he took office.
be incumbent on/upon sb
(formal) to be necessary for sb
She felt it incumbent upon/on her?to?raise the subject at their meeting.
8. resilient (adj)
able to quickly return to a previous good condition
One reason incumbents have proved so resilient is that fintech firms lack the customer-transaction information they need to provide many financial services.
She's a resilient girl-- she won't be unhappy for long.
This rubber ball is very resilient and immediately springs back into shape.
9. cumbersome
awkward because of being large, heavy, or not effective
It is often either cumbersome or insecure for customers to share their own information.
cumbersome equipment/ bureaucracy
10. kick-start (v)
to make sth start to happen
The Payments Services Directive 2 aims to kick-start competition while making payments more secure.
Taxes were drastically cut in an attempt to kick-start the economy.
11. explicit (adj)
clear and exact
She was very explicit?about?what she thought was wrong with the plans.
I wasn't aware that I would be paying-- you certainly didn't?make?it explicit.
12 consent
(n) permission or agreement
Provided the customer has?given?explicit consent, banks will be forced to share customer-account information with licensed financial-services providers.
(v) to agree to do sth, or to allow sb to do sth
Very reluctantly, I've consented?to?lend her my car.
My aunt never married because her father wouldn't consent?to?her marriage.
13. browse (v)
to look through a book or magazine without reading everything
I was browsing?through?fashion magazines to find a new hairstyle.
They could become more integrated into the internet-browsing experience- enabling, for example, one-click bank transfers, at least for low-value payments.
* peruse (v)
to read through sth, esp. in order to find the part you are interested in
He opened a newspaper and began to peruse the personal ads.
14. rock bottom (n)
(informal) the lowest possible level
Profitability is already threatened by rock-bottom interest rates.
Prices have?reached/ hit?rock bottom.
the most unhappy that sb has ever been in their life
Ian had just left me and I was?at?rock bottom.
15. handy (adj)
useful or convenient
Bank's lockhold on payments serves as a handy source of income.
It's a nice house and it's handy?for(= near) the station.
(informal) Don't throw those bottles away-- they'll?come in?handy (= be useful )for?the picnic next Sunday.
( after verb) able to use sth skillfully
John's good at wallpapering but he's not so handy?with?a paintbrush.
16. manifest (v)
( formal) to show sth clearly, through signs or actions
Perhaps predictably, resistance is manifested?as?a concern about data protection.
Lack of confidence in the company manifested?itself in?a fall in the share price
17. robust （adj)
( of an object or system) strong and unlikely to break or fail
Newcomers will have to convince the authorities that their data-protection systems are robust.
a robust economy
( of a person or animal) strong and healthy
He looks robust and healthy enough.
18. insurer 承包人宅倒，保險公司
As they are also required to be?insured?against losses from fraud, they will need to convince?insurers, too.
19. undertake
to do or begin to do sth, esp. sth that will take a long time or be difficult
They will not be subject to the same capital and stress-testing requirements banks face: but nor will they be licensed to undertake the riskier business of lending.
to promise
She undertook not to publish the names of the people involved.
20. invoice 發(fā)票
a Finnish startup that helps companies track cashflow and invoices.
21. attribute
(n) a quality or characteristic that sb or sth has
Huge customer bases and low funding costs are all attributes entrants want to gain by association.
Organizational ability is an essential attribute for a good manager.
（phrasal verbs) attribute sth to sb
to think that sb or sth has a particular quality or feature
I wouldn't dream of attributing such a lack of judgment to you.
attribute sth to sb/ sth
to say or think that sth is the result or work of sth or sb else
To what do you attribute this delay?
22. exploit (v)
to use sth for advantage
Banks want to exploit newcomers' technology.
We need to make sure that we exploit our?resources?as fully as possible.
Day 2 邏輯導(dǎo)圖+神句翻譯
句子翻譯
1. New European payments regulation has the potential to shake up the banks.
歐洲新的支付規(guī)定很有可能對銀行造成沖擊漩怎。
2. European rules will open the door to a host of innovative services that analyze transactions.
歐洲的規(guī)則將會對那些致力于分析交易數(shù)據(jù)的創(chuàng)新型服務(wù)產(chǎn)業(yè)敞開大門委刘。
3. Customers need barely ever interact with their bank.
顧客們幾乎不需要再和銀行打交道了李茫。
4. European retail banking has been remarkably unscathed by technology-driven disruption.
歐洲的零售銀行一點也不受由科技主導(dǎo)的金融業(yè)影響黎棠。
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.
互聯(lián)網(wǎng)金融公司開始掀起挑戰(zhàn)了歧强，最為顯著的就是在北歐地區(qū)的線上支付產(chǎn)業(yè)哪廓。但他們的影響力在歐洲其他地區(qū)明顯有限。
6. Regulators, however, are about to transform the landscape.
然而監(jiān)管者們即將改變這種格局侣滩。
7. Banks' lockhold on payments serves as a handy source of income.
銀行對支付信息的保護可其實是他們獲得收益的有效手段口注。
8. 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.
這種抵制其實是對數(shù)據(jù)保護的擔(dān)憂。正如互聯(lián)網(wǎng)金融支持者所認(rèn)為的那樣君珠，確實有理由擔(dān)心疆导，但是同時這也為銀行限制公平競爭找了一個完美的借口。
9. Yet for all their complaints, customers still trust banks with their money.
拋開投訴不說葛躏，客戶們還是相信銀行管著他們的錢澈段。
詞組翻譯
1. become overdrawn透支
2. nudge them to save more敦促他們多攢點錢
3. have easy access to很容易達到；得到
4. kick-start competition掀起競爭
5. give explicit consent明確表示同意
6. one-click bank transfer一鍵轉(zhuǎn)賬
7. low-value payments低值支付
8. tighten up security加強安保
9. guide them toward指引他們前行
10. rich data大數(shù)據(jù)
11. leave them in a weaker position使他么處在更不利的地位
思維導(dǎo)圖
Day 3 總結(jié)反思
句子翻譯對比
1. New European payments regulation has the potential to shake up the banks.
歐洲新的支付規(guī)定很有可能對銀行造成沖擊舰攒。
新出臺的歐洲支付法規(guī)有可能會給銀行業(yè)帶來巨大沖擊败富。
支付法規(guī)比支付規(guī)定更正式些。
2. European rules will open the door to a host of innovative services that analyze transactions.
歐洲的規(guī)則將會對那些致力于分析交易數(shù)據(jù)的創(chuàng)新型服務(wù)產(chǎn)業(yè)敞開大門摩窃。
歐洲法規(guī)將給交易分析相關(guān)的創(chuàng)新服務(wù)帶來更多機遇兽叮。
" open the door"直譯成敞開大門有些死板，而且沒把機遇這一層意思譯出來猾愿。
3. Customers need barely ever interact with their bank.
顧客們幾乎不需要再和銀行打交道了鹦聪。
客戶幾乎都不再需要通過銀行。
4. European retail banking has been remarkably unscathed by technology-driven disruption.
歐洲的零售銀行一點也不受由科技主導(dǎo)的金融業(yè)影響蒂秘。
技術(shù)帶來的變革對歐洲零售銀行業(yè)產(chǎn)生的影響微乎其微泽本。
歐洲零售銀行業(yè)幾乎并沒有受到技術(shù)變革的影響。
“ disruption”變革姻僧；顛覆规丽，這一層意思沒有翻譯出來
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.
互聯(lián)網(wǎng)金融公司開始掀起挑戰(zhàn)了，最為顯著的就是在北歐地區(qū)的線上支付產(chǎn)業(yè)撇贺。但他們的影響力在歐洲其他地區(qū)明顯有限赌莺。
互聯(lián)網(wǎng)金融公司已經(jīng)開始發(fā)起挑戰(zhàn)，尤其是在北歐線上支付領(lǐng)域松嘶。但對歐洲其他地區(qū)的影響則要小得多艘狭。
“ most conspicuously” 譯成最為顯著的是有些啰嗦，尤其是就顯得很簡潔。
6. Regulators, however, are about to transform the landscape.
然而監(jiān)管者們即將改變這種格局巢音。
然而鼓鲁，監(jiān)管部門即將改變這一現(xiàn)狀。
“ landscape 翻譯成格局也無可厚非港谊，但是沒有現(xiàn)狀更生動。
7. Banks' lockhold on payments serves as a handy source of income.
銀行對支付信息的保護可其實是他們獲得收益的有效手段橙弱。
牢牢把控支付領(lǐng)域使得銀行輕而易舉就能賺錢歧寺。
翻譯的時候整句話的意思能懂，但是譯出來感覺略顯生澀棘脐。
8. 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.
這種抵制其實是對數(shù)據(jù)保護的擔(dān)憂斜筐。正如互聯(lián)網(wǎng)金融支持者所認(rèn)為的那樣，確實有理由擔(dān)心蛀缝，但是同時這也為銀行限制公平競爭找了一個完美的借口顷链。
抗拒源自對數(shù)據(jù)保護的擔(dān)憂，這是合情合理的屈梁。但互聯(lián)網(wǎng)金融的支持者們認(rèn)為嗤练，這也是銀行抵制競爭的絕佳借口。
翻譯中出現(xiàn)了錯誤在讶，因為一個插入語：” argue fintech supporters", 他們不會認(rèn)為這種抵制是合情合理的煞抬。
9. Yet for all their complaints, customers still trust banks with their money.
拋開投訴不說，客戶們還是相信銀行管著他們的錢构哺。
盡管客戶怨聲載道革答，但他們依然更信任把錢放在銀行。
for all 盡管曙强，雖然残拐，這一層意思沒翻譯出來。
詞組翻譯對比
1. become overdrawn透支
2. nudge them to save more敦促他們多攢點錢碟嘴；鼓勵他們增加儲蓄（翻譯的太口語化）
3. have easy access to很容易達到溪食；得到；便于（翻譯腔嚴(yán)重還麻煩娜扇，應(yīng)該力求簡潔）
4. kick-start competition掀起競爭眠菇；引發(fā)，發(fā)起戰(zhàn)爭
5. give explicit consent明確表示同意袱衷；明確同意
6. one-click bank transfer一鍵轉(zhuǎn)賬
7. low-value payments低值支付捎废；小額支付（直譯出來的讓人一眼看到不知道說的是什么）
8. tighten up security加強安保
9. guide them toward指引他們前行；引導(dǎo)他們（又是直譯的問題）
10. rich data大數(shù)據(jù)致燥；豐富的數(shù)據(jù)
11. leave them in a weaker position使他么處在更不利的地位
12. robust data-protection system強大的數(shù)據(jù)保護系統(tǒng)
13. insured against losses from fraud避免受到詐騙帶來的損失登疗；投保以防欺詐造成的損失
14. perfect on paper看起來行得通；理論完美
15. team up with與...合作
16. exploit newcomers‘ technology充分利用”新人們“的科技；利用后來者的技術(shù)
心得總結(jié)
這片文章主要是寫傳統(tǒng)的零售銀行業(yè)和新型的互聯(lián)網(wǎng)金融的支付領(lǐng)域的發(fā)展?fàn)顩r辐益。一個是有著豐富的數(shù)據(jù)的和忠實的客戶群體的線下支付產(chǎn)業(yè)断傲，一個是有著高新技術(shù)，發(fā)展勢頭強勁的線上支付產(chǎn)業(yè)智政。二者在PSD2的影響下认罩，各自采取了不同的應(yīng)對措施，但二者相互借鑒续捂，互幫互助垦垂，共同發(fā)展，合作共贏牙瓢。
第一遍閱讀文章的時候沒有障礙劫拗，可以理解作者的寫作意圖，以及文章大概的脈絡(luò)矾克。即使有些單詞不是我的積極詞匯页慷，但是可以猜測到意思，所以第二篇閱讀并開始整理詞匯的時候胁附，更加深了理解酒繁。其中一些表達看似簡單實則真是經(jīng)典，通過閱讀控妻，欣賞欲逃，也積累了表達，我相信這也會提高我的寫作能力的饼暑。
