體悟：
根據(jù)經(jīng)濟(jì)學(xué)人的語域滚局，雖然將原文的隱喻翻出來能讓讀者體會(huì)到st 的風(fēng)采卷胯，但還是以傳遞信息為target赚楚， 建議以直譯為妥。
背景理解：
http://www.jiemian.com/article/560856.html
舉例：
fintech ?更像是國內(nèi)的 ?p2p
psd 2 ? ? ? ? ? ? ? ? ? ? ? ? ?支付寶
這種感覺更像是psd2 提供了一個(gè)通道和途徑煌恢，像是一座橋梁一樣連接著顧客和fintech和bank骇陈，顧客的交易活動(dòng)是通過psd2 實(shí)現(xiàn)的，比如可以通過支付寶中的螞蟻花唄貸款和通過支付寶綁定銀行進(jìn)行提現(xiàn)之類的操作瑰抵。而psd2的安全性就成了監(jiān)管的重點(diǎn)你雌，有類似于支付寶之類的app，但是很垃圾二汛，忘了什么名字婿崭，我朋友就被里面的bug騙錢了，也是國內(nèi)監(jiān)管不利的結(jié)果肴颊。
retail banking : only provide service for individuals
important phases：
level the playing field ?創(chuàng)造公平競爭環(huán)境
level the paying field ?創(chuàng)造公平支付環(huán)境
become overdrawn ?透支
nudge them to save more 鼓勵(lì)增加儲(chǔ)蓄
have easy access to ? 便于
kick-stat competition ?發(fā)動(dòng)競爭 （腳踏啟動(dòng)器）
give explicit consent 明確同意
one-click bank transfer ? 一鍵轉(zhuǎn)帳
low-value payments 小額支付
tighten up security ?加強(qiáng)安保措施
guide them toward ?指導(dǎo)操作
rich data ?龐大數(shù)據(jù)
leave them in a weaker position: 使他們處于不利地位
robust data-protection system ?強(qiáng)大的數(shù)據(jù)保護(hù)系統(tǒng)
insured against losses from fraud ?詐騙損失保險(xiǎn)
perfect on paper ?理論完美氓栈，實(shí)際操作困難
team up with ? 合作
online transaction ?在線交易所
bank cards ?信用卡
unscathed ?毫發(fā)無傷
unscathed ?毫發(fā)無傷
be cumbersome for ?不方便的
transform the landscape ?改變現(xiàn)狀
sophisticated checks ?復(fù)雜的審核
rock-bottom ?最低價(jià)
dumb pipes ? 啞管道（沒人關(guān)心）
block competition ?妨礙競爭
sophisticated checks ?復(fù)雜的審核
bank face 銀行信譽(yù)
rule be waters down ? 削弱（摻水）
bare ?one’s teeth ?張牙舞爪
cit change ?引起改變
team up with ?合作
track cashflow and invoices 查詢現(xiàn)金流和發(fā)票
via co-operation or confrontation ?通過競爭或是合作
wave through a transaction ?順利完成一項(xiàng)交易（complete or finish sth）
misunderstanding:
lochhold ?牢牢把握
handy source ?輕而易舉就可獲得的資源（in hand）
mount a challenge ?發(fā)起挑戰(zhàn)
reverse:（totally misunderstand ）
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)金融公司已經(jīng)開始發(fā)起挑戰(zhàn)，尤其是對(duì)北歐線上支付領(lǐng)域婿着。但對(duì)歐洲其他地區(qū)的影響則要小得多授瘦。（理解成應(yīng)對(duì)挑戰(zhàn)了）
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.
抗拒源自對(duì)數(shù)據(jù)保護(hù)的擔(dān)憂，這是合情合理的竟宋。但互聯(lián)網(wǎng)金融的支持者們認(rèn)為提完，這也是銀行抵制競爭的絕佳借口。（賓主弄混丘侠，原先理解成argue with fintech suppoter,支持與反對(duì)者之間的爭辯徒欣，實(shí)際應(yīng)是fintech suppoters argue taht）
