Camel train train" often applies to Australia, notably the service that once connected a railhead at Oodnadatta in South Australia to Alice Springs in the center of the continent. The service ended when the train line was extended to Alice Springs in 1929; that train is called "the Ghan", a shortened version of "Afghan Express", and its logo is camel and rider, in honor of the "Afghan cameleers" who pioneered the route. The history of camel trains in the United States consists mainly of an experiment by the United States Army. On April 29, 1856, thirty-three camels and five drivers arrived at
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.