Digital Payments, Fintech and Financial Innovation (AF-072) Training Course

Digital Payments, Fintech and Financial Innovation

Payments and financial services are being reshaped by real-time payment systems, mobile wallets, open banking, embedded finance, digital lending platforms and new forms…

5 daysClassroom or online

49Upcoming dates

12Cities

£2,250Fees from

Course overview

Introduction

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.

Course Objectives

By the end of this training course, participants will be able to:

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

Target Audience

This training course is suitable for a wide range of professionals, including:

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

Training Methodology

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.

Target Competencies

Payment systems knowledge
Fintech business model analysis
Digital finance risk awareness
Innovation partnership evaluation
Regulatory awareness
Digital finance strategy

Course outline

1Day One: The Payments Ecosystem

How Payments Work: Clearing, settlement and payment participants
Payment Instruments: Cash, cards, transfers, direct debits and wallets
Card Schemes and Acquiring: Roles, fees and economics
Real-Time Payment Systems: Design, adoption and use cases
Cross-Border Payments: Correspondent banking, costs and improvement initiatives
Corporate Payments: Treasury, payables and receivables automation
Exercise: Mapping the journey and costs of different payment methods

2Day Two: Fintech Business Models

The Fintech Landscape: Segments, players and funding
Digital Lending: Data-driven credit decisions and buy-now-pay-later
Digital Wealth and Insurance: Robo-advice and insurtech models
Neobanks and Banking-as-a-Service: Platforms and partnerships
Embedded Finance: Payments and credit inside non-financial platforms
Unit Economics: How fintechs make money and scale
Case Study: Analysing the rise and challenges of a fintech company

3Day Three: Open Finance, Data and AI

Open Banking and Open Finance: Principles and regulatory approaches
APIs and Platform Thinking: Connecting financial services
Data as a Strategic Asset: Consent, privacy and value creation
Artificial Intelligence in Financial Services: Credit, fraud and customer service
Digital Identity and Customer Onboarding: eKYC approaches
Financial Inclusion: Reaching underserved customers
Workshop: Designing an open banking use case

4Day Four: Digital Money and Emerging Technologies

Distributed Ledger Technology: Concepts and practical uses
Stablecoins and Crypto-Assets: Risks and regulatory responses
Central Bank Digital Currencies: Objectives and design choices
Tokenisation of Assets: Opportunities and limitations
Regulatory Sandboxes and Innovation Hubs
Separating Hype from Value: Evaluating emerging technologies
Group Debate: The future of money in participants' markets

5Day Five: Risk, Regulation and Strategy

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

Frequently asked questions

How long is the Digital Payments, Fintech and Financial Innovation course?

The course runs over 5 days of classroom training, usually Monday to Friday.

When is the next Digital Payments, Fintech and Financial Innovation course?

The next public date is 7 - 11 Dec 2026 in Frankfurt. There are 49 upcoming dates in total.

Where is this course held?

Upcoming sessions run in Frankfurt, London, Barcelona, Istanbul, Kuala Lumpur, Madrid, Munich, Paris, Vienna, Amsterdam, Dubai, Geneva.

Can I take Digital Payments, Fintech and Financial Innovation online?

Yes. Every date can also be joined live online in a virtual classroom with the trainer, for £1,280 per participant. Choose "Live online" in the dates table when you register.

How much does the course cost?

Fees start from £2,250 per delegate, depending on the city. Fees include tuition and course materials.

Do participants receive a certificate?

Yes. Delegates who complete the course receive a London Leadership Management Innovation certificate of completion.

Can this course be delivered in-house for our team?

Yes. LLMI can tailor and deliver this course privately for your organisation at your premises or in one of our training cities.

Course information last updated 14 November 2026.

Digital Payments, Fintech and Financial Innovation

Course overview

Introduction

Course Objectives

Target Audience

Training Methodology

Target Competencies

Course outline

Dates and fees

Frequently asked questions

More Accounting and Finance courses

Accounting Policies and Procedures

Accounts Payable: Accounting and Management Best Practices

Activity-Based Costing and Profitability Analysis

Training a team?