Financial Analysis and Fintech

MODULE 1 : FINTECH AND OPPORTUNITIES

FinTech: Transformation of the financial ecosystem – Digital infrastructure enabling FinTech – Role of banks, start-ups and emerging markets – Collaboration models between financial institutions and FinTech start-ups – Classification and typology of FinTech innovations – Emerging financial technologies. 96 Economics of FinTech – Opportunities and challenges – Shift from “too small to care” to “too big to fail” in digital finance – Regulatory framework and compliance in the FinTech industry – Future of Regulatory Technology (Reg-Tech) and other emerging technologies influencing financial regulation.

MODULE 2 : DIGITAL PAYMENTS AND FINANCIAL TECHNOLOGIES

Individual payment systems and digital financial services – Mobile money and its regulatory framework – SFMS (Structured Financial Messaging System), RTGS (Real Time Gross Settlement), NEFT (National Electronic Funds Transfer), NDS (Negotiated Dealing System) and their functioning – Benefits of modern digital payment infrastructure and payment stacks (UPI, IMPS, BBPS, AEPS etc.). Fraud detection mechanisms using Artificial Intelligence and Machine Learning – Analysis of transaction patterns and customer behaviour for risk mitigation – Payment cards: Debit cards, Credit cards, Corporate cards, Forex cards and Prepaid cards (features and applications).

MODULE 3: FINANCIAL INNOVATION AND DIGITAL FINANCE MODELS

Evolution and brief history of financial innovation - Digitization of financial services and emergence of FinTech - Innovative funding mechanisms: Crowdfunding, charity-based, reward-based, and equity-based models - Peer-to-Peer (P2P) and marketplace lending platforms - New financial models and innovative product developments - Initial Coin Offerings (ICOs): concept and significance Robo-advisors and automated investment strategies

MODULE 4: FINTECH REGULATION AND REGULATION TECHNOLOGY

FinTech Regulations Evolution of Reg Tech – Reg Tech Ecosystem: Financial Institutions – Reg-Tech Ecosystem Ensuring Compliance from the Start: Suitability and Funds – Reg-Tech Start-ups: Challenges –Reg-Tech Ecosystem: Regulators Industry – Use Case of AI in Smart Regulation and Fraud Detection – Regulatory Sandboxes – Smart Regulation – Redesigning Better Financial Infrastructure. Cyber Security- Meaning, Risk Assessment & Management.

MODULE 5 : DATA, TECHNOLOGY & KPI

History of Data Regulation – Data in Financial Services – Application of Data Analytics in Finance - Methods of Data Protection: GDPR Compliance and Personal Privacy – Role of AI in transforming the Future of FinTech – Digital Identity – Change in mindset: Regulation 1.0 to 2.0 (KYC to KYD) - AI & Governance – New Challenges of AI and Machine Learning - Challenges of Data Regulation - Data is the New Oil: Risk of Breach – The Future of Data-Driven Finance - Case Studies. Key Performance Indicators (KPI) for Fintech Companies – Customer Acquisition Costs (CAC) and lifetime value (LTV) – Financial Health and burn rate analysis.

PEDAGOGY

The course will be delivered through ICT-enabled interactive lectures supported by real-time demonstrations of financial technologies and platforms. Case studies from the FinTech industry will be used to illustrate applications of blockchain, digital payments, Reg-Tech, and AI in finance. 97 Hands-on learning will be encouraged through practical exercises using tools such as Excel, Google Colab, and basic Python for data-driven financial analysis. Students will engage in live assignments involving digital payment systems, FinTech business models, and innovation mapping. Guest lectures from FinTech professionals and industry experts will provide practical exposure and insights into current trends. Continuous assessments will include quizzes, mini-projects, and FinTech case reviews to enhance application-oriented learning