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双语丨银行如何从智能手机一代人身上赚钱?

  • 责任编辑:ada.kang
  • 来源:互联网
  • 时间:2019-07-16 10:03:22

  IF YOU TURN 18 this year, you are younger than Amazon and Go**le. You turned three with Facebook’s arrival, four with YouTube, five with Spotify, six with the iPhone and eight with WhatsApp.

  如果你今年18岁,那你比亚马逊和谷歌都年轻。随着Facebook的到来,你度过了3岁生日,4岁时是YouTube,5岁时是Spotify, 6岁时则是iPhone,8岁就到了WhatsApp。

  If you are at the upper end of the 18-30 age range considered in this special report, you will remember a time before mobile internet, but not a time before mobile phones. If you are anywhere in that range, you use your mobile to read, chat and play, stream music and videos, hail taxis, order food, and search for dates and jobs.

  如果你处于本篇特别报道所考虑的18-30岁年龄段的上端,你会记得移动互联网出现之前的时代,但不会记得移动电话出现之前的时代。如果你属于这个年龄范围(18-30)的人,你可以用手机阅读、聊天、打游戏、播放音乐和视频、打出租车、点餐、寻找约会对象和工作。

  You use mobile phones to manage your money, too. Research last year by Raddon, a consultancy, found that 85% of American millennials (those born between 1981 and 1996) used mobile banking, and predicted that the share would be higher still for Gen Z (born after 1996).

  你也会用手机来管理你的钱。咨询公司Raddon去年的研究发现,85%的美国千禧一代(1981年至1996年出生的人)使用手机银行,并预测Z一代(1996年以后出生的人)这一比例还会更高。

  The main reason people choose a bank is convenience, the consultancy says. For older people that means a nearby branch; for younger ones it means an excellent app.

  该咨询公司表示,人们选择银行的主要原因是方便。对老年人来说,“方便”意味着其附近有一家分行(方便存取);对于年轻人来说,“方便”意味着一个优秀的应用程序。

  You have cooled on cash. Half of American millennials use peer-to-peer payment services such as Venmo or Zelle at least once a week.

  你对现金的态度变得冷淡了。半数美国千禧一代每周至少使用一次Venmo或Zelle等点对点的支付服务。

  In 2017 Bain & Company, another consultancy, asked people in 17 countries which they would miss more for a day: their phone or their wallet. Everywhere except Japan and Malaysia, the share of under-25s who would miss their phone more was above 70% (see chart).

  2017年,另一家咨询公司贝恩咨询公司(Bain & Company)询问了17个国家的人们,他们一天会更想念哪个东西:手机还是钱包?除了日本和马来西亚,25岁以下的年轻人选择手机的比例超过70%。

  You are a demanding customer, with expectations of speedy, convenient service that have been set by Uber and Amazon Prime. You are generally willing to grant companies access to your data, but want something in return.

  而且你还是一个要求很高的客户,期待着优步和亚马逊会员设定的快速、便捷的服务。一般来说,您愿意让公司访问您的数据,但同时希望能得到一些回报。

  You let Go**le Maps track your location to help you get where you are going; you like Netflix using your viewing habits for recommendations.

  你让谷歌地图跟踪你的位置,帮助你到达你要去的地方;你喜欢Netflix用你的观看习惯来进行影片的推荐。

  In many developed countries, tuition fees mean you have much more debt than previous generations did. Soaring property prices have made it harder for you to become a homeowner.

  在许多发达国家,学费意味着你比前几代人背负了更多的债务,而飙升的房价让你更难成为有房族。

  Growing up in the aftermath of the financial crisis has left you cautious about loans. According to bankrate.com, a comparison service, just one in three American millennials has a credit or debit card, a much lower share than for previous generations at the same age. All this means banks find it hard to make money from you.

  在金融危机的余波中长大,让你对贷款持谨慎态度。根据比较服务网站bankrate.com的数据,美国千禧一代中只有三分之一的人拥有信用卡或借记卡,这一比例远低于前几代同龄人。所有这些都意味着银行很难从你身上赚钱。

  与老年人相比,你们对金融机构的要求更高,更关心基于价值的投资和企业社会责任。

  The young expect an answer to the question: “Why are you in banking?”, says Rick Spitler of Novantas, a financial consultancy. “They think bankers should care about helping people to become wealthier, not just about their own bottom line.”

  年轻人希望得到这样一个问题的答案:“你为什么从事银行业?” 金融咨询公司Novantas的里克•斯皮特勒这样表示。“他们认为,银行家应该关心帮助人们变得更富有,而不仅仅是关心他们自己的一时盈亏。”

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