Bank 3.0: The Architecture You Need to Know

The technical architecture behind modern digital banking — mobile-first, API-driven, and AI-powered. ## Topics covered - Evolution from Bank 1.0 (branches) to Bank 3.0 (mobile-first) - Core banking APIs and open banking (PSD2/PSD3) - Embedded finance: banking-as-a-service (BaaS) - The role of AI in credit scoring, fraud detection, and personalization - Cloud-native infrastructure and microservices - Case studies: Revolut, N26, Wise, and neobank architecture ## Key insight Bank 3.0 is not about digitizing branches — it is about rebuilding banking from the ground up around the mobile experience and API ecosystem.