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.