This comprehensive course examines the transformation of banking and payment systems in the digital era, covering the technologies, business models, and customer expectations driving change in financial services. Participants will learn about digital banking platforms, mobile banking applications, payment processing systems, and the regulatory framework governing digital financial services. The curriculum explores emerging payment methods, open banking initiatives, and the competitive landscape including challenger banks and big tech entrants. Through technical overviews and case studies, learners will develop the expertise to design, implement, and manage digital banking and payment solutions that meet evolving customer needs.
Digital Banking and Payment Systems
Banking, Insurance and Financial Services
October 25, 2025
Introduction
Objectives
Upon completion of this course, participants will be able to:
- Design digital banking customer experiences
- Implement mobile banking solutions
- Navigate payment system regulations
- Manage digital transformation projects
- Evaluate emerging payment technologies
- Develop open banking strategies
- Assess digital banking security requirements
- Manage digital channel performance
- Develop digital product roadmaps
Target Audience
- Banking Professionals
- Product Managers
- Technology Managers
- Digital Transformation Leaders
- Payment Operations Staff
- Compliance Officers
- Customer Experience Designers
- Financial Services Consultants
Methodology
- Digital banking case studies
- Customer journey mapping exercises
- Technology evaluation workshops
- Security scenario analysis
- Regulatory compliance exercises
- Implementation planning sessions
Personal Impact
- Enhanced digital banking knowledge
- Improved technology assessment skills
- Stronger customer experience design abilities
- Better project management capabilities
- Enhanced strategic thinking
Organizational Impact
- Improved digital capabilities
- Enhanced customer satisfaction
- Increased operational efficiency
- Better competitive positioning
- Reduced technology risks
Course Outline
Unit 1: Digital Banking Overview
Market Transformation- Digital banking evolution and trends
- Customer behavior and expectations
- Competitive landscape analysis
- Digital banking business models
Unit 2: Digital Banking Platforms
Core Banking Systems- Core banking modernization
- Cloud-based banking platforms
- API banking architecture
- Legacy system integration
- Internet banking platforms
- Mobile banking applications
- Omnichannel experience design
- Self-service capabilities
Unit 3: Payment Systems
Traditional Systems- Card payment networks
- ACH and wire transfer systems
- Check processing modernization
- Real-time payment systems
- Digital wallet technologies
- Contactless payment systems
- Peer-to-peer payment platforms
- Cryptocurrency payment solutions
Unit 4: Open Banking
Regulatory Framework- PSD2 requirements and implementation
- Open banking standards
- API specification standards
- Data sharing consent management
- Account aggregation services
- Payment initiation applications
- Data analytics opportunities
- Partnership ecosystem development
Unit 5: Security and Fraud Prevention
Security Framework- Digital identity verification
- Multi-factor authentication
- Biometric authentication systems
- Transaction monitoring
- Digital fraud typologies
- Fraud detection systems
- Social engineering prevention
- Incident response planning
Unit 6: Customer Experience
Design Principles- User-centered design approaches
- Customer journey mapping
- Personalization strategies
- Accessibility requirements
- Digital marketing approaches
- Customer onboarding optimization
- Loyalty and retention programs
- Customer support channels
Unit 7: Implementation and Governance
Project Management- Digital transformation roadmaps
- Agile development methodologies
- Vendor management strategies
- Change management approaches
- Digital channel metrics
- Customer satisfaction measurement
- ROI analysis frameworks
- Continuous improvement processes
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