数字银行及其影响

为了在竞争如此激烈的市场中保持领先地位，银行正以投资技术及将服务和运营方式现代化，从而彻底改变商业运作的模式。金融服务与技术之间的相互联系被称作“金融科技”，随着加密货币和区块链的引入，“金融科技”这个概念已经有所浮现。
In order to stay on top in such a competitive market, banks are investing in technology as well as modernizing their services and the way they operate, thus revolutionizing the way businesses function. This interlink between the financial services and technology is called "Fintech", a concept which has emerged with the introduction of cryptocurrency and Blockchain.
通过这种技术的发展，客户将拥有更多的权利并能保护好他们的数据。按照预计，平均将有 2/3 的银行账户将由客户单独管理，因此客户能够控制哪些第三方可以获取到他们数据。除此之外，欧盟《通用数据保护条例》（GDPR）对公司规定了进一步的限制，因为公司在使用客户数据之前必须征得他们的同意。
By means of this technological development, clients will have more power and control over their data. It is anticipated that on average ⅔ of all bank accounts will be managed solely by the customer, and therefore give the customer the ability to control which third parties can obtain their data. In addition to this, the General Data Protection Regulation in EU commonly referred to as the "GDPR", stipulates further limitations upon companies, as they are obliged to obtain the consumer's consent before making use of their data.
随着加密货币的崛起，以及由此带来的低成本和快速交易，传统银行业在力求站稳脚跟。另外一项技术创新——快速支付系统（FPS）可令传统银行情况有所好转，这项技术可以通过线上或者电话更快地进行支付或转帐。而事实上，美国清算所已经引入了称为实时支付（RTP）的系统，使公司和客户能够实时完成支付和进行接收付款。
With the rise of cryptocurrencies and, thus, low costs and fast transaction times, the traditional banking industry seeks to stand its ground. Another technological innovation which has changed things for the better is the Faster Payment System (FPS), which allows for quicker payment or transfer either online or by phone. In fact, the US Clearing House has introduced a system referred to as Real-Time Payment (RTP), which enables businesses and clients to carry out and receive payments in real time.
如今，越来越多的银行正在与金融科技公司建立合作伙伴关系，因此银行业的竞争愈趋激烈。此外，基于区块链的解决方案也显得尤为重要，特别是在安全措施方面。
Furthermore, it is emerging that various banks are founding partnerships with Fintech companies and thus continuing to increase competition within such an industry. Moreover, Blockchain based resolutions are also increasing in importance, especially with respect to security measures.