Fintech & Payments Bootcamp: Master the Financial Ecosystem

Explore the foundations of digital payments, including card payments and pay by bank, real-time rails like UPI and RTP, wallets, and the merchant discount rate ecosystem.

Explain how card payments travel from card details to merchants via gateways and networks, with tokenization, banks, and settlement, and introduce UK pay by bank open banking flows.

Explore open banking and account information service to securely share bank data with fintech apps. Learn how consent and scope enable lending, BNPL, spend management, and compliant customer verification.

Compare neobanks and traditional banks, and explore banking as a service. Learn how licenses, user experience, and fast KYC drive digital distribution with base providers.

Banking as a service provides a ready-made banking kit to build fintech apps without a bank license, handling back-end tasks like KYC, payments, and card issuance.

Explore Yapily, a UK open-banking based payments platform, and see how payers initiate and approve or decline Barclays payments via bank apps using QR codes and API-driven flows.

Identity verification acts as the first line of defense against fraud in fintech, with mandatory kyc for individuals and kyb for businesses during onboarding, plus liveliness checks.

Learn how digital KYC infrastructure verifies customers with documents, selfies, biometrics, and liveliness checks, tailored by product risk, enabling fast, scalable onboarding with auditable logs.

Know your business (kyb) verifies a company, its owners and ultimate beneficiary owner, using aml checks and sanction lists to prevent fake or high-risk entities.

Learn how fintechs speed onboarding using AML and KYC software that extracts data from business and corporate documents and uses Companies House records for verification.

Explore how name matching and AML infrastructure support KYC and KYB checks during onboarding, using partial and strong matches, identity docs, and ongoing transaction monitoring to block suspicious activity.

Explore six real-world fintech case studies that sharpen practical skills in payment routing, fraud risk scoring for BNPL, FX pricing, thin-file lending, chargeback, and bank fintech lending risk.

Explore how modern lending platforms handle loan origination by underwriting models, verifying documents, and disbursing funds instantly via real-time rails like RTP, highlighting credit scores and risk factors.

Build a credit risk scoring framework from data to classify borrowers into low, medium, and high risk. Tailor loan amounts and rates using late payment rate, utilization, and normalized score.

Fintech firms analyze financial behavior to assess creditworthiness, using credit scores from bureaus and alternative data like bank activity and SMS spend to underwrite loans for thin file borrowers.

Learn how banks and fintechs use loan management systems to track loans, automate EMI collections via direct debit, and send timely reminders across the loan life cycle.

Auto debit serves as the invisible engine behind repayments, auto-pulling emi payments from bank accounts with user consent. It uses intelligent retries and logs to manage bounces and protect relationships.

Learn how fintechs partner with NBFCs and banks in co-lending to fund loans, acting as the front end that digitizes data and shares capital, risk, and revenue.

Explain how co-lending combines a fintech’s up to $10,000 loan with a bank’s funding to split capital and revenue sharing, with first loss default guarantee to manage risk through compliance.

Explore buy now, pay later (BNPL) and embedded finance, enabling instant credit and 2–4 installment payments in ecommerce, healthcare, and car purchases through platforms like Klarna and Afterpay.

Learn to build a total BNPL fraud risk score from email domain, device, address, account history, and timing to auto-approve, manually review, or reject applications.

Explains embedded credit across commerce, payroll, and healthcare, allowing immediate access to a credit line during checkout or via payroll advances with buy now, pay later options.

Explore how buy now, pay later platforms monetize through merchant fees, late fees, currency conversion, and upselling, while profiting from float and interest on unpaid balances.

Explore how smart routing and orchestration across multiple payment processors maximize success, speed, and cost efficiency, while webhook notifications deliver real-time payment updates.

Learn how to smartly route payments to improve authorization rates by analyzing gateways, processors, and card networks, and model potential uplift with country- and card-type routing.

This lecture explains refunds, chargebacks, and reconciliation in payments, highlighting how refunds are merchant-initiated reversals, chargebacks arise from fraud or non-delivery, and reconciliation ensures payment records align.

Learn why card payments underpin global commerce by examining issuing and acquiring banks, networks and processors, plus benefits like global acceptance, credit and rewards, and 3D secure protections.

Discover how the merchant discount rate (mdr) is split among issuer banks, card networks, acquirers, and gateways, and why fees vary by card, with India's 0.5 to 0.6% cap, UPI.

Account-to-account payments let customers transfer funds directly from their bank to the merchant, bypassing card networks and reducing fees, with rails like upi, ach, rtp, and fps delivering instant settlements.

Explore wallet types—closed, semi-closed, and open—and how loading money, rapid transfers, loyalty rewards, and NFC tap payments enable quick, flexible digital transactions.

Explore how tap-to-pay transforms card payments through tokenization, mobile wallets, and NFC, plus QR flows for UPI and bank transfers across global ecosystems.

Explore cross-border payments and foreign exchange, contrasting Swift with modern fx APIs from Wise, Airwallex, and Payoneer. Experience real-time fx rates, virtual accounts, and transparent pricing.

Explore FX pricing and markups in cross-border payments, comparing mid-market rates, bank FX spreads, and platforms like Wise and Stripe to highlight transparency and conversion logic.

Explore treasury flow, liquidity pools, shadow ledgers, and cross-border settlement enabling instant transfers with multi-currency wallets to manage foreign exchange risk.