Citigroup is testing new technology that will allow customers to withdraw money using retinal scanning.
花旗銀行(Citigroup)正在測試允許客戶通過掃描視網膜取款的新技術。

The bank wants to replace PIN codes with biometric scanners that could identify customers using only their eyes.
花旗銀行打算用僅通過客戶的眼睛即可識別其身份的生物識別掃描儀來取代個人識別號碼。

Customers would use a smartphone app to key in the amount they want to draw out ahead of time.
客戶只需在智能手機客戶端上提前輸入他們想取出的金額就可以了。

As they approached the ATM, the app would link up to the machine and use retinal scanning to confirm the customer’s identity.
當客戶走近自動取款機時，該客戶端將與自動取款機連接，并通過掃描視網膜確認其身份。

The ATM would then release the cash, providing the scanner recognises the individual.
若掃描儀識別出客戶的身份，自動取款機就會吐出現金。

Citigroup said the retinal scans would take 15 seconds to complete compared to 45 seconds for traditional transactions.
花旗銀行表示，傳統交易方式需花費45秒，而視網膜掃描技術可在15秒內完成交易。

It would, they claim, be more secure and would mean that cards could never be skimmed at an ATM again.
該銀行聲稱，此項技術更加安全，將意味著再也不用將銀行卡插入自動提款機了。

The Wall St Journal reported that Citigroup has not set a date for when the retinal scanners would be introduced.
《華爾街日報》報道稱，花旗銀行尚未確定何時將視網膜掃描儀投入使用。

The bank may have to overcome privacy concerns as some customers may be uncomfortable giving their biometric data to such an institution.
花旗可能需要解決人們對隱私的擔憂，因為部分客戶可能會對將自己的生物識別數據提供給銀行這種機構感到不安。

Citigroup says it has been working with cash machine manufacturer Diebold and has confirmed that preliminary scanning tests have been carried out on 30 consumers in a laboratory at its head office in New York.
花旗稱，該銀行一直都在與自動取款機制造商迪堡（Diebold）公司合作。花旗銀行還確認，花旗已經在紐約總行的實驗室對30名客戶進行了初步的掃描測試。

The test cash machines do not even need a screen or a touchpad as all the information is loaded by the app ahead of time.
受測的自動取款機甚至不需要安裝屏幕或觸摸板。因為客戶端提前加載了所有的信息。

Citigroup is not the only financial institution testing out cardless cash machines - JP Morgan Chase and Bank of America are working on similar technology.
花旗銀行并非唯一一個測試無卡取款機的金融機構。摩根大通（JP Morgan Chase）和美國銀行（Bank of America）也在研發類似的技術。

The moves comes in response to US credit scoring firm FICO announcing that in May this year the number of attacks on debit cards used at ATMs had reached its highest level in 20 years.
今年5月，美國信用評分公司FICO宣布在自動取款機上使用的借貸卡遭到攻擊的數量創20年新高，各個銀行的舉措旨在改善此現狀。

Vocabulary

retinal：視網膜的

key in：輸入，鍵入

preliminary：初步的

head office：(銀行的)總行

touchpad：觸摸板

英文來源：每日郵報

譯者：Nimo0807

審校&編輯：劉明