【摘要】2020年MBA考試越來越近了，在備考的最后關頭千萬不要亂了陣腳哦，越是臨近考試越要靜下心來培養一種良好的考場心態，把每一天都當考試當天，每一道題都當考試題，盡快鍛煉自己不怯考場的能力。以下內容是2020年MBA考試考前英語外刊閱讀（十）。
After years of timidity Big Tech, with its billions of users and gigantic war chest, at last appears serious about crashing their party. Amazon introduced a credit card for underbanked shoppers in June; Apple launched its own credit card in August. Facebook announced a new payments system on November 12th (its mooted cryptocurrency, Libra, however, has lost many of its backers and will face stiff regulatory scrutiny). The next day Google said it would start offering current (checking) accounts in America in 2020.
Individually, each initiative is relatively minor, says Antony Jenkins, a former boss of Barclays, a bank, now at 10x, a fintech firm. But together they mark the acceleration of a trend that could reshape the finance industry. The gafas have long had an interest in finance. Yet until recently they focused on payments, each in its own way.
Apple Pay and Google Pay are digital wallets: they hold a digital version of cards but do not process transactions. Neither charges merchants a fee. They simply store everything in one place and make payments more secure by masking customer details. Google collects transaction data; Apple does not. Otherwise holding a phone over a contactless terminal is the same as tapping a card.
文本選自：The Economist(經濟學人)
板塊：Finance and economics
原文標題：Big Tech takes aim at the low-profit retail-banking industry
參考翻譯
經過多年的小心行事，擁有數十億用戶和巨額資金的大型科技公司，似乎終于要加入它們(金融科技領域)了。今年6月，亞馬遜向沒有信用記錄或信用不良的消費者推出了一種信用卡;8月，蘋果公司推出了自己的信用卡。11月12日，Facebook宣布了一套新的支付系統(其備受爭議的加密貨幣Libra, 已經失去了許多支持者，將面臨嚴格的監管審查)。谷歌隔日表示，將于2020年開始在美國提供活期(支票)賬戶的服務。
巴克萊銀行的前老板安東尼•詹金斯，現在任職于10x(10x Future Technologies)這家金融科技公司，他表示，就個體而言，每一項舉措的影響力都是相對較小的。但它們聯合起來，標志著一種可重塑金融業的加速趨勢。美國科技界的四大巨頭一直對金融領域頗感興趣。然而，直到最近，他們才以各自不同的方式專注于支付業務的發展。
蘋果支付和谷歌支付都屬于電子錢包：它們持有電子版本的卡，但不處理交易。它們也不向商家收取任何費用。他們只是把所有信息都儲存在一個地方，通過加密客戶的個人信息，讓支付更加安全。谷歌會收集交易數據;蘋果則不會。除此以外，把手機置于非接觸式終端上就相當于輕觸刷卡。
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