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  3. The data a bank has stored on its servers is more valuable than the gold in its vaults．Banks enjoy a monopoly over data that has

The data a bank has stored on its servers is more valuable than the gold in its vaults．Banks enjoy a monopoly over data that has

admin2020-02-28  93
问题     The data a bank has stored on its servers is more valuable than the gold in its vaults．Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors．In Europe，at least，that is all about to change with a new set of regulations，named PSD2．
  The rules will compel banks to share data easily with licensed third parties．Bankers in Europe complain that their profits and customer relationships are under threat．However，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，such as a one-click option to put unspent monthly income into a pension plan．
    Nevertheless，some concerns about PSD2 are legitimate．In particular，it is reasonable to wonder about the privacy and security implications of sensitive financial date being shared withthird parties．But banks themselves are hardly invulnerable to cyber attacks(网络攻击)．And the solutions that the European regulators propose to deal with these worries look promising．Third parties that want to use bank data will need to convince national regulators that their data defenses are solid and are subject to annual regulatory inspections．
  The gap between writing rules and implementing them is always large．First，consent from customers to provide access to their bank data must be gained explicitly，and the purposes of the data use should be clearly explained．Second，regulators must be very tough both in ensuring that banks open up their infrastructure and in withdrawing the licenses of third parties that break the rules．Third，regulators must also be flexible enough to allow for changes as the market evolves．Since the new entrants will not be licensed to engage in riskier financial activities——such as lending money——it makes sense to regulate them with a lighter touch．But if some Fintech providers do end up becoming systemically important，higher standards of oversight might be necessary．
What can be inferred from passage on the effects of PSD2 in the second paragraph?
选项 A、Customers are more likely to enjoy more innovative services．
B、People will no longer go to banks to deposit their money．
C、Service providers do not want to partner with banks．
D、People will receive more pension．
答案A
解析 细节题。根据题干关键词the second paragraph定位到第二段，然后根据题干中的“the effects of PSD2”在第二段中寻找相关信息，根据第二段最后一句前半句“New providers will be better placed to offer all sorts of innovative services(新供应商将更有能力提供各种创新服务)”和A项“Customers are more likely to enjoy more innovative services．(顾客更有可能享受到更具创新性的服务。)”意思相符。B项“People will no longer go to banks to deposit their money．(人们将不再去银行存款。)”和C项“Service providers do not want to partner with banks．(服务提供商不想与银行合作。)”文中未提及，排除；D项“People will receive more pension．(人们将得到更多的养老金。)”，文中只提到“put unspent monthly income into a pension plan．(把每月未花的收入放入养老金计划。)”，与文意不符，排除。故本题选A。
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