外媒英语文章短篇

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外媒英语文章短篇



More treasured than the gold in its vaults are the data a bank has stored on its servers. Banks enjoy a monopoly over data that has helped them get away with lousy service and fend off newcomers with better ideas. In Europe, at least, that is all about to change.

The source of this upheaval is a new set of regulations, named the Second Payment Service Directive, or “PSD2”. The rules, which are being finalised and will be in force from January next year, will compel banks to share data easily with licensed third parties. Bankers in Europe scream that their profits and customer relationships are under threat. Fearing they could be next, America

s bankers are already lobbying

their regulators to keep their data monopoly intact. Such reactions are predictable and wrong.

Opening up banks, and the data they store, is good for consumers and competition. New providers will be better placed to offer all sorts of innovative services. Apps might ping users when they are spending too much on booze or shoes, or offer them a one

click option to put unspent monthly income into a

pension plan.

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