The Ghan Katherine and Darwin; the stops at Alice Springs and Katherine allow time for passengers to take optional tours. Each train has 16 to 38 stainless steel carriages, built by Comeng, Granville, in the late 1960s / early 1970s for the "Indian Pacific", plus a motorail wagon. A Pacific National NR class locomotive, plus a second locomotive if necessary, usually hauls the train, but occasionally other engines assist, such as an AN class or a DL class locomotive. Starting in August 1929, "The Ghan" ran on the Central Australian Railway, originally built as a narrow-gauge railway to Alice Springs. In 1957,
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.