The Ghan of Australia. "The Ghan" service was notorious for delays caused by washouts of the track. A flatcar immediately behind the locomotive carried spare sleepers and railway tools, so passengers and crew could repair the line. The very uncertain service via this route was tolerated because steam locomotives needed large quantities of water, and Stuart's route to Alice Springs was the only one that had sufficient available water. During World War II the service had to be greatly expanded, putting great pressure on the limited water supplies. As a result, de-mineralisation towers, some of which survive to this day, were built
Banking as a Service a traditional, licensed and regulated bank. Above this bank would be the centralized Middleware layer that Skinner refers to as “Bank as a Service.” Added on to the Bank-as-a-Service is a group of decomposed banking services consisting of an ecosystem of FinTech startups and service providers. With this technology, based on the BaaS-platform, it is possible to create FinTech banks, which could improve banking processes and provide increased convenience for banking clients. In such a constellation, FinTech banks are enabled to compete directly with banks by offering core-banking services without having to build all the products that would be needed.