Microsoft reference architecture for banking

I spent some time documenting myself about Microsoft offerings for banking industry and I came across MIRA-B.

What I found interesting about this paper is that it covers in a clear and concise manner the business architecture from the banking perspective - challenges and goals for the banking sector, as well as a current snapshot of the trending market forces.

One example of some other forces disrupting the market is Apple Pay.

Here's the link, enjoy :)

http://www.microsoft.com/enterprise/industry/financial-services/banking-and-capital-markets/reference-architecture/default.aspx#fbid=onVDsDrUuky