自拍也能開(kāi)戶 銀行業(yè)務(wù)一拍就搞定

f you thought ‘selfies’ were just for publicity-hungry celebrities and attention-seekers then think again.

如果你認(rèn)為只有那些高調(diào)的社會(huì)名流和想吸引別人眼球的人才會(huì)自拍，那你就錯(cuò)了。不妨再好好想想。

Customers at Lloyds will soon be able to set up an account or take out a credit card by sending a photo of themselves from their smartphone or tablet.

不久的將來(lái)，勞埃德銀行(Lloyds)的客戶可以通過(guò)他們的智能手機(jī)或平板電腦上傳自己的個(gè)人相片，以創(chuàng)建銀行賬戶或是申請(qǐng)辦理信用卡。

 

 

It must be accompanied by a photo of their passport or driving licence – but if Lloyds’ computer systems are satisfied that the ‘selfie’ and passport photo match up, they will be passed to an employee.

申請(qǐng)資料上必須附有客戶護(hù)照或駕照上的照片。但如果勞埃德銀行的電腦系統(tǒng)通過(guò)了客戶的自拍照，且這一照片同護(hù)照上的照片吻合，那么電腦系統(tǒng)會(huì)將這些照片傳送給一位員工。

Once double checked, customers will receive an email within 15 minutes to say if the application has been approved.

再次確認(rèn)之后，客戶將會(huì)在十五分鐘之內(nèi)收到一封郵件，詢問(wèn)他們是否允許這一程序運(yùn)行。

Lloyds claims this will help hundreds of thousands of customers, as roughly one in three are currently asked to bring in identification documents when applying online to open a bank account or credit card.

勞埃德銀行聲稱(chēng)，這種方法將幫助成千上萬(wàn)的客戶，因?yàn)楝F(xiàn)在大約有三分之一的客戶在網(wǎng)上申請(qǐng)開(kāi)戶或辦理信用卡時(shí)，都需要帶相關(guān)的證明材料。

These are typically new customers, foreigners who have just arrived in the UK, and young people - who may not be on the electoral roll, or have too little information stored on them by credit reference agencies to verify their ID.

例如一些典型的新客戶：剛到英國(guó)的外國(guó)人，可能不在選民名冊(cè)上的年輕人，或者是一些由于信息太少，以至于信用調(diào)查機(jī)構(gòu)無(wú)法證實(shí)他們身份的人。

The new electronic identification and verification checks will be introduced next week for existing customers wanting to set up a joint account.

對(duì)于那些想要開(kāi)通共同賬戶的現(xiàn)有客戶，這種新型的電子身份認(rèn)證和驗(yàn)證檢查將于下星期開(kāi)始采用。

The service will then be opened for all applications for current accounts, savings accounts and credit cards offered by Lloyds Bank, Halifax and Bank of Scotland by the Summer.

對(duì)于勞埃德銀行、哈里?？怂构?Halifax)以及蘇格蘭銀行(Bank of Scotland)所提供的活期存款賬戶、儲(chǔ)蓄賬戶和信用卡，這一服務(wù)將在今年夏天面向所有程序開(kāi)放。

But while it may make life easier for many customers, it comes as all the High Street lenders are closing hundreds of branches to slash costs.

雖然這一服務(wù)可能會(huì)使許多客戶的生活變得更方便，但它就像是所有商業(yè)大街的貸款人為了降低成本而關(guān)閉上百家分行。

Derek French, director of the Campaign for Community Banking Services, said:

社區(qū)銀行服務(wù)活動(dòng)的主要負(fù)責(zé)人德里克•弗蘭奇(Derek French)說(shuō)：

‘This is part of a general trend. Banks are pushing and pushing their customers to go online, but there is a large section of the population - particularly the elderly - that simply don’t want to, or don’t have access to this technology.’

“這種現(xiàn)象是目前普遍的一種趨勢(shì)。銀行正不斷地把客戶推向網(wǎng)上辦理業(yè)務(wù)，但仍有很大一部分人，特別是老年人，根本不想在網(wǎng)上辦理業(yè)務(wù)，或者是不會(huì)在網(wǎng)上辦理業(yè)務(wù)。”

Vocabulary

selfie: 自拍

application: 應(yīng)用

electoral roll: 選民名冊(cè)

verification: 確認(rèn)

slash: 削減