In a small office behind London's King's Cross station a band of technology entrepreneurs is setting up a bank with 140 staff to offer what traditional banks need tens of thousands of people to provide. It is Tandem Bank, which will have an app and a small call centre.

在伦敦国王十字车站后面的一间小办公室里，一群科技企业家正在建立一家拥有 140 名员工的银行，以提供传统银行需要数万人才能提供的服务。它是 Tandem Bank，它将有一个应用程序和一个小型呼叫中心。

Two hundred and fifty miles away in Durham, Atom Bank has been given a licence too. You won't even need a password to log into an account on its app – it'll recognise your face or your voice.

在 250 英里外的达勒姆，Atom Bank 也获得了许可证。您甚至不需要密码即可登录其应用程序上的帐户 - 它会识别您的脸部或声音。

More start-up banks are set to follow. The Bank of England is talking to 26 candidates for licences – among them several budding app-only operations. Despite evidence that people are fearful of switching banks, they are targeting millions of customers.

更多初创银行将效仿。英格兰银行正在与 26 家候选公司洽谈牌照，其中包括几家新兴的只做应用程序业务。尽管有证据表明人们害怕更换银行，但他们的目标是数百万客户。

entrepreneurs （复数）创业者
call centre 电话服务中心
licence 许可，执照
password 密码，口令
recognise 识别，认出
budding 刚起步的，成长中的
switching 更换