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Financial-technology firms 金融技术公司 Apps at the gate 应用近在咫尺 Tech start-ups promise to transform finance, ifregulators will let them 如果监管者允许，技术创业公司希望改变金融业 Aug 3rd 2013 |From the print edition TWO millennia after the Temple was cleansed of money-changers, the Archbishop ofCanterbury, Justin Welby, plans to open his churches to moneylenders. This is nocapitulation in the struggle between God and Mammon. It is an effort to compete out ofexistence payday lenders that offer expensive loans by supporting not-for-profit creditunions. 在寺院与金钱交易撇清关系两千年之后，坎特伯雷大主教Justin Welby计划开放教堂给放贷者。这不是选择上帝或者贪婪之间的妥协。这是通过支持非盈利信用合作社让高利息贷款失去市场。 The archbishop is right that more competition is needed, but old-fashioned credit unionsare unlikely to be able to beat the slick systems and snappy service of online providers,like Wonga. A more effective way of pushing down rates would be lighter regulation toallow more lenders to flourish. 大主教是对的，确实需要加强竞争，而这些老古董银行也不太可能被像Wonga之类的拥有更加灵活的系统和快速的服务的网上金融服务提供商击败。推低利率更有效的方法是放松监管，允许更多放贷者进入市场。 | 
