2015考研英语阅读金融技术公司_大学英语阅读

2015考研英语阅读金融技术公司

　　Digital communications have given birth to a new generation of finance companies . Money-transfer agents such as Xoom have drastically cut the time and costs formigrant workers to send money home. Peer-to-peer lenders are matching savers andborrowers, slashing fees and delivering a better deal to both. New foreign-exchange firmsare giving travellers access to the prices quoted on wholesale currency markets. Cardcompanies such as Square and iZettle let anyone from yoga teachers to plumbers acceptpayments by credit card. Firms such as M-Pesa have given millions of people in developingcountries access to mobile money.

　　线上交流已经催生出了新一代的金融公司。像Xoom这种转帐机构大大减少了外国务工人员汇款回家的时间和费用。点对点借贷配对债权人和借债人，降低费用，给双方最好的选择。新的外汇公司让旅行者以大型外汇市场的汇率兑换现金。诸如Square和iZettle这样的信用卡公司让从瑜伽老师到管道工的客户都能使用信用卡消费。M-Pesa这类公司已经让发展中国家数百万的人民使用上了移动钱包。

　　Heavy regulation of financial companies means many firms stick to small niches to skirt theboundaries of banking regulations. Peer-to-peer lenders do not offer savers the security ofdeposit insurance or the convenience of guaranteed instant access to their cash. This limitstheir appeal. Other firms that take deposits such as Holvi, a Finnish start-up that offers groupaccounts, are not allowed to lend. Those that do lend, such as Wonga, cannot take deposits.