Luxury train Ghan, a luxury train, runs through the heart of the Australian continent from Darwin in the north to Adelaide in the south. The Indian Pacific is a long-distance train connecting Sydney on the east coast, Australia's largest city, with Perth on the west coast. Luxury train Luxury trains are designed to offer a very comfortable ride and evoke an association with history and heritage. Operating in several countries, they are a premium travel option. Although some luxury trains (such as the Maharajas' Express) promote tourism in destinations across a continent, others take passengers on a long, leisurely ride through a
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.