Certificate in FinTech Transformation (CFTT)
- Assess an institution's digital maturity and identify priority FinTech opportunities across payments, lending and wealth.
- Evaluate build, buy and partner options for FinTech capabilities using strategic and risk criteria.
- Explain open banking, API platforms and cloud adoption and their implications for legacy core systems.
- Redesign a customer journey using digital onboarding, eKYC and data-driven personalisation.
- Identify regulatory, cybersecurity and third-party risks in FinTech partnerships and propose controls.
- Build a FinTech transformation roadmap with governance, investment phasing and value metrics.
- The FinTech Landscape
- Key FinTech segments and business models
- Incumbents, challengers and big tech
- Gulf regulatory and market environment
- Digital Maturity and Strategy
- Digital maturity assessment
- Defining a FinTech transformation ambition
- Build, buy, partner and invest options
- Technology Foundations
- APIs and open banking frameworks
- Cloud, core modernisation and data platforms
- AI and automation in financial services
- Customer Journey Redesign
- Digital onboarding and eKYC
- Instant payments and digital wallets
- Personalisation and embedded finance
- Regulation and Risk
- Regulatory sandboxes and licensing pathways
- Cybersecurity and data protection
- Third-party and partnership risk management
- Leading the Transformation
- Operating model and agile delivery
- Talent, culture and change management
- Transformation roadmap and value tracking
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Program Professional Framework
Certificate in FinTech Transformation (CFTT)
Program Overview
Banks, insurers and payment providers in the Gulf are being reshaped by digital-only competitors, open banking frameworks, instant payment systems and regulators that actively encourage innovation through sandboxes. This programme focuses on leading a FinTech-driven transformation inside a financial institution: assessing digital maturity, choosing between building, buying or partnering with FinTechs, modernising core systems with APIs and cloud, redesigning customer journeys, and managing regulatory, cyber and third-party risks. Cases draw on initiatives such as SAMA's regulatory sandbox and open banking programme, CBUAE innovation initiatives and FinTech hubs in DIFC and ADGM.
Learning Outcomes
- ✓Assess an institution's digital maturity and identify priority FinTech opportunities across payments, lending and wealth.
- ✓Evaluate build, buy and partner options for FinTech capabilities using strategic and risk criteria.
- ✓Explain open banking, API platforms and cloud adoption and their implications for legacy core systems.
- ✓Redesign a customer journey using digital onboarding, eKYC and data-driven personalisation.
- ✓Identify regulatory, cybersecurity and third-party risks in FinTech partnerships and propose controls.
- ✓Build a FinTech transformation roadmap with governance, investment phasing and value metrics.
Target Audience
- Digital transformation and innovation managers in banks and insurers
- Strategy and product development leaders in financial services
- Risk, compliance and IT architecture managers
- Payment and FinTech business development professionals
Detailed Program Modules
01The FinTech Landscape
- Key FinTech segments and business models
- Incumbents, challengers and big tech
- Gulf regulatory and market environment
02Digital Maturity and Strategy
- Digital maturity assessment
- Defining a FinTech transformation ambition
- Build, buy, partner and invest options
03Technology Foundations
- APIs and open banking frameworks
- Cloud, core modernisation and data platforms
- AI and automation in financial services
04Customer Journey Redesign
- Digital onboarding and eKYC
- Instant payments and digital wallets
- Personalisation and embedded finance
05Regulation and Risk
- Regulatory sandboxes and licensing pathways
- Cybersecurity and data protection
- Third-party and partnership risk management
06Leading the Transformation
- Operating model and agile delivery
- Talent, culture and change management
- Transformation roadmap and value tracking
Training Methodology
Applied Project & Assessment
Applied Project
Participants develop a FinTech transformation proposal for a Gulf bank or insurer case: maturity assessment, two prioritised initiatives with build-buy-partner analysis, risk and regulatory considerations and a phased roadmap with value metrics.
Assessment
Short diagnostic at the start, practical tasks linked to each learning outcome, and evaluation of the applied project against published criteria.


