
Editor’s note (November 5th): Shortly after this story was published Paraguay’s president, Santiago Peña(巴拉圭总统,因银行危机辞职), resigned(辞职).
编者按(11月5日):本文发表后不久,巴拉圭总统圣地亚哥·培尼亚宣布辞职。
Ueno Bank is ubiquitous(无处不在的) in Paraguay. The bank sponsors(赞助) stadiums, music festivals, the national football squad, a bar, and the country’s top racing driver. Its credit cards garner(获得,收集) big cashbacks(返现) at supermarkets. Though it only received a full banking licence in 2023, the fintech startup now caters to(服务于,迎合) 2.9m Paraguayans: almost two-thirds of the adult population. At craft fairs co-organised by the country’s first lady(第一夫人), glamorous Ueno promoters in tight jeans issue indigenous artisans with card readers(向原住民工匠发放刷卡机).
乌埃诺银行在巴拉圭无处不在。它赞助体育场、音乐节、国家足球队、一家酒吧,以及该国顶尖赛车手。其信用卡在超市消费可获高额返现。尽管这家金融科技初创公司直到2023年才获得完整银行牌照,如今却已服务290万巴拉圭人,几乎占成年人口的三分之二。在由该国第一夫人共同主办的手工艺品博览会上,身着紧身牛仔裤、光彩照人的乌埃诺推广人员向原住民工匠发放刷卡机。
For many Paraguayans, accustomed to keeping their cash under the mattress(把现金藏在床垫下), Ueno helped them open their first bank account. Its branches offered touchscreens, frothy coffees and comfy sofas: a far cry from(与……相去甚远) the awkward hours, staid(古板的,保守的) decor, hefty(高额的,沉重的) deposit requirements and scowling(怒目而视的) security guards of competitors. Often likened to Monzo or Revolut(英国知名数字银行), Ueno hoped to achieve a $1bn valuation and thus become Paraguay’s first unicorn(独角兽企业).
对许多习惯把现金藏在床垫下的巴拉圭人来说,乌埃诺帮助他们开了第一个银行账户。其网点提供触摸屏、奶泡咖啡和舒适沙发,与竞争对手那别扭的营业时间、古板的装潢、高额的存款要求和凶神恶煞的保安形成天壤之别。乌埃诺常被比作Monzo或Revolut,它希望达到10亿美元估值,从而成为巴拉圭首家独角兽企业。