Finance and Mortgage Broking: Banking Report Review & Bank Models

This report provides a review of a banking report within the context of finance and mortgage broking. It analyzes five business models, assessing which model most closely aligns with Westpac Banking Corporation, identifying the cash machine model as the most relevant due to its focus on liquidity and revenue enhancement. The report also interprets the phrase 'A well-described business architecture connects people, process and systems within the organization to business capabilities,' emphasizing the importance of collaboration and effective processing within the bank's overall system to increase profitability and sustainability. The analysis highlights how Westpac leverages this model to gain insights into processes and clients, supporting various services and enhancing its competitive edge.

Finance and Mortgage
Broking

TABLE OF CONTENTS
SECTION 1 – REVIEW BANKING REPORT..............................................................................3
2.1 Review the five business models described on Page 2. Assess which model most closely
aligns with your current bank of choice and explain why you have chosen that model........3
2.2 “A well-described business architecture connects people, process and systems within the
organization to business capabilities” (Page 4). In your own words, explain what this phrase
might mean to your current bank............................................................................................3
REFERENCES................................................................................................................................5

SECTION 1 – REVIEW BANKING REPORT
2.1 Review the five business models described on Page 2. Assess which model most closely
aligns with your current bank of choice and explain why you have chosen that model
Answer:
Business model is concerned with assessing the organization way of creating, delivering and
capturing the value in order to meet its objectives. From the evaluation it can be specified that
governance, pricing, value, earning, operating, predictive, etc are the business models (Nowiński
and Kozma, 2017). There are several banks which takes the different kind of models for
accomplishment its objective. The chosen bank for the current investigation is Westpac Banking
corporation which is one of the top banking institution in Australia. The specified organization
uses cash machine business mode that allow it to obtain n money from the sale so that proper
purchasing can be. It provides number of benefits to the organization which include inclining
liquidity which enhances revenue for paying off debts or additional investment. This model is
helpful in overcoming various complex complication so that proper conducting of operation can
become possible.
2.2 “A well-described business architecture connects people, process and systems within the
organisation to business capabilities” (Page 4). In your own words, explain what this
phrase might mean to your current bank.
Answer:
The well-described business architecture is helpful for the organization to gain the
information regarding the distinct aspects so that higher profitability & sustainability can be
derived. Westpac Banking corporation is one of the successful organization which pay attention
on implementing appropriate business architecture so that significant extent of collaboration can
be developed. It aids in connecting people, process, system within organization to incline
business capabilities so that effective outcome can be provided to customers (Pairman and
Sanggita, 2021).
The specified statement regarding well-structured model it can be articulated that there is
need to achieve proper processing within overall system of the organization. The main reason
behind applying this course of action is to increase profitability & sustainability (Stubbs, 2017).
From the evaluation it can be articulated that current selected bank applies cash machine
business model so that significant level of insights regarding prevailing processes, clients, etc

can be derived. It is helpful in lending, depositing, payment services, managing and advising, etc
so that customer can properly meet their respective objective and higher extent of profitability
can be obtained. On the basis of this it can be articulated that there are number of benefits
which can are derived by specified organization that has inclined it ability to gain competitive
edge.

REFERENCES
Books and Journals
Nowiński, W. and Kozma, M., 2017. How can blockchain technology disrupt the existing
business models?. Entrepreneurial Business and Economics Review. 5(3). pp.173-188.
Pairman, S. and Sanggita, W., 2021. Instant payments in Asia are changing business
models. Journal of Digital Banking. 5(3). pp.264-276.
Stubbs, W., 2017. Characterising B Corps as a sustainable business model: An exploratory study
of B Corps in Australia. Journal of Cleaner Production. 144. pp.299-312.