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Course AF-072

Digital Payments, Fintech and Financial Innovation

Payments and financial services are being reshaped by real-time payment systems, mobile wallets, open banking, embedded... The outline covers The Payments Ecosystem, Fintech Business Models, Open Finance, Data and AI, an...

  • 5 daysClassroom or online
  • 49Upcoming dates
  • 12Cities
  • €2,175Fees from
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Digital Payments, Fintech and Financial Innovation
Next online class Live virtual classroom 7 - 11 December 2026 · €1,625 + VAT Next classroom session Frankfurt 7 - 11 December 2026 · €2,175 + VAT

Your week at a glance

  1. Day 1 The Payments Ecosystem
  2. Day 2 Fintech Business Models
  3. Day 3 Open Finance, Data and AI
  4. Day 4 Digital Money and Emerging Technologies
  5. Day 5 Risk, Regulation and Strategy

Choose your format and date

  • 5 days
  • 09:00–14:00
  • Certificate of attendance

Classroom sessions

  1. 7–11 Dec 2026

    Frankfurt

    Next date Lowest fee
    €2,175 + VAT
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  2. 14–18 Dec 2026

    London

    €2,915 + VAT
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  3. 21–25 Dec 2026

    Barcelona

    €2,275 + VAT
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  4. 4–8 Jan 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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  5. 11–15 Jan 2027

    Istanbul

    €2,825 + VAT
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  6. 18–22 Jan 2027

    London

    €2,915 + VAT
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  7. 25–29 Jan 2027

    Barcelona

    €2,275 + VAT
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  8. 1–5 Feb 2027

    Barcelona

    €2,275 + VAT
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  9. 8–12 Feb 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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  10. 15–19 Feb 2027

    Kuala Lumpur

    €2,425 + VAT
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  11. 22–26 Feb 2027

    London

    €2,915 + VAT
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  12. 1–5 Mar 2027

    London

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  13. 8–12 Mar 2027

    Barcelona

    €2,275 + VAT
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  14. 15–19 Mar 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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  15. 22–26 Mar 2027

    Madrid

    €3,400 + VAT
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  16. 5–9 Apr 2027

    Munich

    €2,425 + VAT
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  17. 12–16 Apr 2027

    London

    €2,915 + VAT
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  18. 19–23 Apr 2027

    Barcelona

    €2,275 + VAT
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  19. 26–30 Apr 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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  20. 3–7 May 2027

    Frankfurt

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    €2,175 + VAT
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  21. 10–14 May 2027

    Paris

    €2,810 + VAT
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  22. 17–21 May 2027

    London

    €2,915 + VAT
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  23. 24–28 May 2027

    Barcelona

    €2,275 + VAT
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  24. 7–11 Jun 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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  25. 14–18 Jun 2027

    London

    €2,915 + VAT
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  26. 21–25 Jun 2027

    Barcelona

    €2,275 + VAT
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  27. 5–9 Jul 2027

    London

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  28. 12–16 Jul 2027

    Barcelona

    €2,275 + VAT
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  29. 19–23 Jul 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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  30. 26–30 Jul 2027

    Vienna

    €3,425 + VAT
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  31. 2–6 Aug 2027

    Amsterdam

    €3,215 + VAT
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  32. 9–13 Aug 2027

    London

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  33. 16–20 Aug 2027

    Barcelona

    €2,275 + VAT
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  34. 23–27 Aug 2027

    Frankfurt

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    €2,175 + VAT
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  35. 6–10 Sep 2027

    Frankfurt

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    €2,175 + VAT
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  36. 13–17 Sep 2027

    London

    €2,915 + VAT
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  37. 20–24 Sep 2027

    Barcelona

    €2,275 + VAT
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  38. 4–8 Oct 2027

    Barcelona

    €2,275 + VAT
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  39. 11–15 Oct 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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  40. 18–22 Oct 2027

    Dubai

    €2,845 + VAT
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  41. 25–29 Oct 2027

    London

    €2,915 + VAT
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  42. 1–5 Nov 2027

    London

    €2,915 + VAT
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  43. 8–12 Nov 2027

    Barcelona

    €2,275 + VAT
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  44. 15–19 Nov 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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  45. 22–26 Nov 2027

    Geneva

    €3,315 + VAT
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  46. 6–10 Dec 2027

    Istanbul

    €2,825 + VAT
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  47. 13–17 Dec 2027

    London

    €2,915 + VAT
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  48. 20–24 Dec 2027

    Barcelona

    €2,275 + VAT
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  49. 27–31 Dec 2027

    Frankfurt

    Lowest fee
    €2,175 + VAT
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Online / Live sessions

  1. 7–11 Dec 2026

    Live virtual classroom

    Next date
    €1,625 + VAT
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  2. 14–18 Dec 2026

    Live virtual classroom

    €1,625 + VAT
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  3. 21–25 Dec 2026

    Live virtual classroom

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  4. 4–8 Jan 2027

    Live virtual classroom

    €1,625 + VAT
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  5. 11–15 Jan 2027

    Live virtual classroom

    €1,625 + VAT
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  6. 18–22 Jan 2027

    Live virtual classroom

    €1,625 + VAT
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  7. 25–29 Jan 2027

    Live virtual classroom

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  8. 1–5 Feb 2027

    Live virtual classroom

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  9. 8–12 Feb 2027

    Live virtual classroom

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  10. 15–19 Feb 2027

    Live virtual classroom

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  11. 22–26 Feb 2027

    Live virtual classroom

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  12. 1–5 Mar 2027

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  13. 8–12 Mar 2027

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  14. 15–19 Mar 2027

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  15. 22–26 Mar 2027

    Live virtual classroom

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  16. 5–9 Apr 2027

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  17. 12–16 Apr 2027

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  18. 19–23 Apr 2027

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  19. 26–30 Apr 2027

    Live virtual classroom

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  20. 3–7 May 2027

    Live virtual classroom

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  21. 10–14 May 2027

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  22. 17–21 May 2027

    Live virtual classroom

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  23. 24–28 May 2027

    Live virtual classroom

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  24. 7–11 Jun 2027

    Live virtual classroom

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  25. 14–18 Jun 2027

    Live virtual classroom

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  26. 21–25 Jun 2027

    Live virtual classroom

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  27. 5–9 Jul 2027

    Live virtual classroom

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  28. 12–16 Jul 2027

    Live virtual classroom

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  29. 19–23 Jul 2027

    Live virtual classroom

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  30. 26–30 Jul 2027

    Live virtual classroom

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  31. 2–6 Aug 2027

    Live virtual classroom

    €1,625 + VAT
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  32. 9–13 Aug 2027

    Live virtual classroom

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  33. 16–20 Aug 2027

    Live virtual classroom

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  34. 23–27 Aug 2027

    Live virtual classroom

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  35. 6–10 Sep 2027

    Live virtual classroom

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  36. 13–17 Sep 2027

    Live virtual classroom

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  37. 20–24 Sep 2027

    Live virtual classroom

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  38. 4–8 Oct 2027

    Live virtual classroom

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  39. 11–15 Oct 2027

    Live virtual classroom

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  40. 18–22 Oct 2027

    Live virtual classroom

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  41. 25–29 Oct 2027

    Live virtual classroom

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  42. 1–5 Nov 2027

    Live virtual classroom

    €1,625 + VAT
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  43. 8–12 Nov 2027

    Live virtual classroom

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  44. 15–19 Nov 2027

    Live virtual classroom

    €1,625 + VAT
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  45. 22–26 Nov 2027

    Live virtual classroom

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  46. 6–10 Dec 2027

    Live virtual classroom

    €1,625 + VAT
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  47. 13–17 Dec 2027

    Live virtual classroom

    €1,625 + VAT
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  48. 20–24 Dec 2027

    Live virtual classroom

    €1,625 + VAT
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  49. 27–31 Dec 2027

    Live virtual classroom

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Introduction

Course overview

Payments and financial services are being reshaped by real-time payment systems, mobile wallets, open banking, embedded finance, digital lending platforms and new forms of digital money. These changes create opportunities for faster, cheaper and more inclusive services, but also new risks for organisations, regulators and customers.

This Digital Payments, Fintech and Financial Innovation training course provides a clear, business-focused overview of how modern payment systems and fintech business models work. Participants examine payment infrastructure, card and account-to-account payments, digital wallets, cross-border payments, application programming interfaces and the role of data and artificial intelligence in financial services.

The course also covers regulation, cyber and fraud risk, partnerships between banks and fintechs, and the strategic choices organisations face in responding to financial innovation.

View full course outline

What you will achieve

Learning objectives

  • Explain how domestic and cross-border payment systems operate
  • Compare card, account-to-account, wallet and real-time payment models
  • Describe open banking, APIs and embedded finance business models
  • Analyse fintech business models in lending, payments, wealth and insurance
  • Understand central bank digital currencies, stablecoins and tokenisation at a conceptual level
  • Identify regulatory, fraud, cyber and operational risks in digital finance
  • Evaluate partnership and build-versus-buy options for financial innovation
  • Develop a digital payments or fintech strategy for an organisation

Who should attend

Target audience

  • Bankers and payment professionals
  • Treasury and finance managers
  • Product and innovation managers in financial services
  • Regulators and central bank staff
  • Risk, compliance and fraud professionals
  • Retail, e-commerce and corporate payment managers
  • Technology and digital transformation professionals

Methodology

Learning approach

  • The course uses expert briefings, payment flow diagrams, business model analysis, case studies of successful and failed fintech ventures and group strategy exercises. Participants map payment journeys, assess risks and design an innovation roadmap for a chosen organisation.

Complete course outline

Five focused days of learning and application

The timings provided are estimates and may vary depending on the number of participants and the discussions taking place during the sessions. They are indicative only and do not constitute a binding commitment.

Day 1

The Payments Ecosystem

  1. How Payments Work: Clearing, settlement and payment participants
  2. Payment Instruments: Cash, cards, transfers, direct debits and wallets
  3. Card Schemes and Acquiring: Roles, fees and economics
  4. Real-Time Payment Systems: Design, adoption and use cases
  5. Coffee break
  6. Real-Time Payment Systems: Design, adoption and use cases (continued)
  7. Cross-Border Payments: Correspondent banking, costs and improvement initiatives
  8. Corporate Payments: Treasury, payables and receivables automation
  9. Exercise: Mapping the journey and costs of different payment methods

Day 2

Fintech Business Models

  1. The Fintech Landscape: Segments, players and funding
  2. Digital Lending: Data-driven credit decisions and buy-now-pay-later
  3. Digital Wealth and Insurance: Robo-advice and insurtech models
  4. Neobanks and Banking-as-a-Service: Platforms and partnerships
  5. Coffee break
  6. Neobanks and Banking-as-a-Service: Platforms and partnerships (continued)
  7. Embedded Finance: Payments and credit inside non-financial platforms
  8. Unit Economics: How fintechs make money and scale
  9. Case Study: Analysing the rise and challenges of a fintech company

Day 3

Open Finance, Data and AI

  1. Open Banking and Open Finance: Principles and regulatory approaches
  2. APIs and Platform Thinking: Connecting financial services
  3. Data as a Strategic Asset: Consent, privacy and value creation
  4. Artificial Intelligence in Financial Services: Credit, fraud and customer service
  5. Coffee break
  6. Artificial Intelligence in Financial Services: Credit, fraud and customer service (continued)
  7. Digital Identity and Customer Onboarding: eKYC approaches
  8. Financial Inclusion: Reaching underserved customers
  9. Workshop: Designing an open banking use case

Day 4

Digital Money and Emerging Technologies

  1. Distributed Ledger Technology: Concepts and practical uses
  2. Stablecoins and Crypto-Assets: Risks and regulatory responses
  3. Central Bank Digital Currencies: Objectives and design choices
  4. Coffee break
  5. Central Bank Digital Currencies: Objectives and design choices (continued)
  6. Tokenisation of Assets: Opportunities and limitations
  7. Regulatory Sandboxes and Innovation Hubs
  8. Separating Hype from Value: Evaluating emerging technologies
  9. Group Debate: The future of money in participants' markets

Day 5

Risk, Regulation and Strategy

  1. Payment Fraud: Social engineering, account takeover and authorised push payment fraud
  2. Cyber and Operational Resilience in Digital Finance
  3. Regulatory Requirements: Licensing, consumer protection and anti-money laundering
  4. Bank and Fintech Partnerships: Due diligence and governance
  5. Coffee break
  6. Build, Buy or Partner: Strategic decision frameworks
  7. Measuring Innovation Success: Adoption, cost and customer outcomes
  8. Final Exercise: Presenting a digital payments strategy

Ready to book?

Digital Payments, Fintech and Financial Innovation

Next session: 7 - 11 December 2026, Frankfurt

Register See all dates

Course FAQs

Questions about this course

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What does Digital Payments, Fintech and Financial Innovation (AF-072) cover?

This course covers Accounting and Finance through a structured five-day outline focused on practical application, discussion, and implementation planning.

When is the next available session?

The next scheduled session starts on 14 - 18 December 2026. See the course schedules section for the available dates and delivery formats.

Who should attend this course?

Bankers and payment professionals, Treasury and finance managers, Product and innovation managers in financial services

Is bilingual course delivery available?

Yes. All course materials and presentations are provided in English, while bilingual explanation and discussion support may be available depending on the selected location and trainer availability. For example, when attending a course in Istanbul, you may request a Turkish-speaking trainer to explain the English course content in Turkish. Arabic explanation support may also be requested at this location. Other languages are available in selected cities. You can choose your preferred language support as an optional preference during registration.

How can I register for a session?

Use any Register button next to the available course dates to open the participant registration page and submit your booking request for the selected session.

Is this course available online as well as classroom-based?

Check the course schedules section for currently published classroom and Online / Live sessions.

Where are classroom sessions delivered?

Current classroom venues include London, Barcelona, Frankfurt, Istanbul, Kuala lumpur, Madrid, Munich, Paris, Vienna, Amsterdam, Dubai, Geneva.

How long is the training programme?

The programme runs for five days from 09:00 to 14:00, which gives 25 contact hours, including a daily 30-minute break (22.5 hours of instruction).