Pichi Richi Railway over time as more rollingstock and track is restored and rehabilitated. The Afghan Express is a return trip to Quorn from Port Augusta (78 kilometres return). This train usually consists of Ghan carriages from the 1920s and is often hauled, wherever possible, by an original Ghan steam locomotive, NM25, and recreates the type of travel experienced on the Ghan in the 1930s and 1940s. A shorter journey, the Pichi Richi Explorer, is a return service to Woolshed Flat departing from Quorn (32 kilometres return). Travel on this train is either in South Australian Railway carriages circa 1900 to 1915 hauled
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.