Upon successful completion of this program, participants will be able to:

• Analyze the forces of digital disruption across key areas of finance (e.g., payments, lending, insurance).
• Formulate a comprehensive digital transformation strategy aligned with financial regulatory requirements.
• Evaluate the strategic applications of AI, Machine Learning, and Blockchain in financial services.
• Develop a robust data governance and cloud migration strategy specific to financial data.
• Establish effective partnership models with FinTech companies and manage the integration process.
• Design a customer-centric digital banking experience that drives adoption and loyalty.
• Identify and manage key cyber security and compliance risks associated with digitization.
• Lead the cultural and organizational changes necessary for digital success in a regulated environment.

• Bank and Insurance Executives and Department Heads
• FinTech Founders and Strategists
• Heads of Retail, Commercial, and Investment Banking
• Chief Information and Technology Officers (CIO/CTO) in Finance
• Risk, Compliance, and Audit Professionals
• Product Managers for Digital Financial Services
• Treasury and Operations Managers

• **Scenarios:** Developing a rapid response plan for a major API security vulnerability exposed by a FinTech partner.
• **Case Studies:** Analyzing the digital transformation journeys of major global banks and leading Neo-banks.
• **Group Activities:** Creating a prioritization matrix for a financial institution's next-three-year digital roadmap.
• **Individual Exercises:** Analyzing a financial business process (e.g., loan approval) and identifying where AI can automate for competitive advantage.
• **Mini-Case Studies:** Evaluating the risk and reward profile of investing in a new decentralized finance (DeFi) related technology.
• **Syndicate Discussions:** Debating the cultural shift required to embrace a "fail fast, learn fast" mindset in a risk-averse environment.
• **Simulation:** Designing a customer onboarding experience that is both highly secure and seamless.

Unit 1: The Digital Disruption Landscape in Finance

• Analyzing the impact of FinTech, Neo-banks, and Big Tech on traditional models.
• Overview of key enabling technologies: Cloud, APIs, AI/ML, Blockchain.
• Deep dive into Payments transformation (Instant Payments, CBDCs).
• The rise of embedded finance and Banking-as-a-Service (BaaS).
• Assessing the current state of digital maturity within financial institutions.
• Identifying future high-growth areas (e.g., decentralized finance concepts).

Unit 2: Digital Strategy and Execution

• Developing a strategic framework for digital transformation in finance.
• Prioritizing initiatives: modernization vs. greenfield development.
• Addressing the legacy system challenge and safe core replacement.
• Resource allocation and funding models for long-term digital investments.
• Metrics and KPIs for tracking transformation success (e.g., digital adoption rates).
• Structuring the Chief Digital Officer (CDO) organization and role.

Unit 3: Advanced Technologies and Business Models

• Practical applications of AI/ML in credit risk, fraud detection, and personalized advice.
• Developing a robust, regulatory-compliant financial data architecture.
• Exploring Distributed Ledger Technology (DLT) for trade finance and reconciliation.
• The role of Generative AI in transforming financial advisory and back-office operations.
• Cloud migration strategies and multi-cloud governance in a regulated setting.
• Open Banking/Finance: regulatory requirements and competitive opportunities.

Unit 4: Customer Experience and Digital Channels

• Customer journey mapping for lending, onboarding, and claims processes.
• Designing seamless, personalized, and hyper-secure digital channels.
• Leveraging behavioral science to drive digital product adoption.
• The role of biometric authentication and advanced security features.
• Strategies for creating a unified, omni-channel customer experience.
• Measuring digital CX success (e.g., Customer Effort Score).

Unit 5: Risk, Regulation, and Compliance

• Navigating key regulations (e.g., Basel III, GDPR, AML/KYC).
• The challenge of cyber security in an open API environment.
• Establishing regulatory technology (RegTech) and supervisory technology (SupTech) programs.
• Developing a comprehensive digital resilience and disaster recovery plan.
• Best practices for vendor due diligence and FinTech partner risk assessment.
• Ethical governance of AI models used in high-stakes financial decisions.