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1. They process 86% of card payments through huge networks linking most shops and firms, which have to sign up to detailed terms and conditions.
sign up 签约;雇用;报名
We are inviting you to sign up for free to help your child be an active reader this summer!
我们邀请您免费报名，让您的孩子在这个夏天变得热爱阅读！
2. Once this exists, banks and fintechs can build products, standards and services on top of it.
on top of 在…之上;胜任(工作等);掌握(情况等)
The television was precariously balanced on top of a pile of books.
电视机摆在一堆书上面好危险。
3. The big banks and credit-card firms are keen to delay a system that could disrupt the status quo.
status quo 现状
They have no wish for any change in the status quo
他们不想改变现状。
