Next we'll download the app from your bank, provide a user ID, a strong password, memorable information and two-factor authentication and you'll be ready to go.

接下来，我们将从您的银行下载应用程序，提供用户 ID、强密码、易于记忆的信息和两步身份验证，然后您就可以开始使用了。

If users decline, then applications will not be able to access the unique user ID that they need to follow individuals as they live their digital lives.

如果用户拒绝， 那么应用程序将无法访问他们在数字生活中关注个人所需的唯一用户 ID。