Available dates

Dec 4, 2019—Jan 31, 2020
Modules info
GBP 795 ≈USD 1021


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About the course

It has become essential for anyone involved in the sector to understand the key FinTech trends and the challenges and opportunities they are creating for different players. How different firms adapt to this new environment will determine the future winners and losers. One only has to look at examples like Blockbuster, Toys R Us and Kodak to see just how high the stakes are.

IFF has created the Focus on FinTech Online Academy programme to equip delegates with a practical business understanding of the FinTech space. Following the course, you will be able to identify and evaluate the opportunities and challenges arising and apply them to your own organisation.

The emphasis is on relating the trends to real business issues rather than detailed technical briefings, helping to demystify the jargon, providing practical tools and numerous case studies drawn from the start-up and incumbent communities in different regions of the world.


  • An understanding of how FinTech has evolved
  • An appreciation of the key technologies underlying FinTech
  • Awareness of the competitive landscape and the factors determining winners and losers
  • Familiarity with FinTech sub-sectors and some of the key players
  • Action points for market participants


Module 1: Evolution of Digital for Banks & Open Banking

  • 1st Generation: digital within a multi-channel context
  • 2nd Generation: the Un-bundling and Re-bundling of financial services
  • Open Banking including Europe’s PSD2 regulation
    • what is Open Banking
    • the implicit vision: Smart Digital Assistant
    • challenges and opportunities
    • Open Banking in practice
  • 3rd Generation: future financial services in the context of Digital Lives
  • Key strategic choices for banks
  • Examples of how different global markets are developing

Module 2: Key Technology Enablers

  • Explanation of key technology enablers driving FinTech
  • Cloud Computing and the API Economy
    • what is cloud computing
    • jargon-busting: PaaS, IaaS, SaaS, public/private/hybrid
    • some of the key technology enablers underlying cloud computing: hardware virtualisation and service-oriented architecture
    • the API economy and how this is key to digital disruption of financial services
  • Machine Learning and Artificial Intelligence
    • what is Machine Learning
    • applications in financial services
    • distinction between Machine Learning and Artificial Intelligence
  • Distributed ledgers, blockchain, cryptocurrencies and smart contracts
    • compare central ledgers vs. distributed ledgers
    • what is different about blockchain
    • explanation of the key concepts used in blockchain
    • how cryptocurrencies, ICOs and smart contracts work
    • assessment of potential future significance of these technologies

Module 3: Battlegrounds & Sub-Sectors

  • Framework for understanding the different FinTech battlegrounds
    • who are the participants, what is the prize and what factors are determining the winners and losers?
    • regional Variation
  • RegTech
    • what is RegTech
    • key sub-sectors
    • examples of key players from the KYC/AML sub-sector: what do they do and why does it create value
  • What are the following FinTech subsectors (with examples of key players) and what is the outlook for them:
    • wealth management: social investment and robo-advisors
    • P2P/Marketplace Lending
    • Personal Financial Management (PFM) and Challenger Banks
  • Digital identity
    • the historical evolution of identity
    • the problem/opportunity of Digital Identity
    • national Identity Scheme models from around the world
    • how is FinTech seeking to address Digital Identity
    • future outlook and opportunity for banks

Module 4: Payments

  • Why payments is a key sector of FinTech
  • Segmentation of the payments market and macro trends
  • Bank revenues from payments
  • Jargon-busting in payments
  • The payments ecosystem: issuers, acquirers and schemes
  • The four-party model for cards
  • Cards vs. ACH: the battle for the payment rails
  • P2P payments and remittances: market trends and examples of key players
  • “App & Pay” vs. “Tap & Pay”: the battle for physical commerce
  • Regional variation in eCommerce payment
  • Mobile contactless payment: a cautionary tale!
  • Overview of trends impacting evolution of payments
  • Future of payments & shopping: contextual payments & cognitive commerce

Module 5: Winning Formula

  • The legacy issues facing incumbents
  • Winning formula for banks
    • strategy & propositions
    • delivery
  • Impact on business models
  • Ways of working for the digital era
    • Agile vs. Waterfall
    • Lean
    • DevOps
  • How are banks investing in FinTech: different models
  • Examples of leading exponents
  • Models for driving digital innovation

What are the benefits of an Online Academy Course?

  • Learn and utilise - implement immediately all that you learn during the course
  • Become part of a professional learning community - discuss any problems with students and/or the trainer
  • Time effective - bitesize chunks so it does not impact on your normal working day
  • Cost effective - no travel expenses
  • Grow as a team - with multiple licenses your team can access the course and learn together, no matter where they are in the world

What is an Online Academy course?

The IFF Online Academy is a new online, interactive and engaging education tool designed to maximise learning for professionals with busy schedules and/or small training budgets.

The online academy brings alike professionals together and gives you the opportunity to share ideas and questions via the discussion forum creating your own professional community. Our on-demand feature means the content is available as and when you need it allowing greater flexibility to your professional development and learning.

Over five weeks students will learn via:

  • Five modules, split up into bite-size recorded videos
  • Quizzes to test your knowledge
  • Revisiting the content - you have unlimited access to all the materials for two months
  • Access the discussion forum to interact with other students
  • Direct contact with the trainer through the forum during the five weeks the course is running

What Will You Learn?

Course participants will come away with:

  • An understanding of how fintech has evolved
  • An appreciation of the key technologies underlying fintech
  • Awareness of the competitive landscape and the factors determining winners and losers
  • Familiarity with fintech sub-sectors and some of the key players
  • Action points for market participants

Trust the experts

Richard Johnson

He has worked in banking for 20 years and digital banking/payments/commerce for 10 years. In banking, his experience covered all sectors, especially retail banking and wealth management, in front-line, advisory and senior management roles. His work often involved the deepening role of technology ...


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