The concept of a direct bank gained prominence with the advent of online banking technology in the early 1990s which led to a number of direct banks being created, although many were owned by traditional banks. A number of direct banks offer only online savings account and these banks typically offer higher interest rates than their traditional competitors as these banks can be very cost efficient to operate.
单词
concept 英 ['kɒnsept] 美 ['kɑnsɛpt] n. 观念，概念
direct bank 直销银行
prominence 英 ['prɒmɪnəns] 美 ['prɑmɪnəns] n. 突出；显著；突出物；卓越
advent ['ædvɛnt] n. 到来；出现；基督降临；基督降临节
savings 英 美 ['sevɪŋz] n. 储蓄；存款；救助；节省物（saving的复数形式）
typically 英 ['tɪpɪkəlɪ] 美 ['tɪpɪkli] adv. 代表性地；作为特色地
efficient 英 [ɪ'fɪʃ(ə)nt] 美 [ɪ'fɪʃnt] adj. 有效率的；有能力的；生效的 比较级 more efficient 最高级 most efficient