Course Modules
Module 1: Evolution of Digital Payments and Fintech

• Historical progression and emerging trends
• Overview of embedded finance and super apps
• Case Study: M-Pesa and Stripe as regional disruptors

Module 2: Payment Gateway Architecture and APIs

• Payment processors, acquirers, and PSPs
• API integration for online checkout
• Technical Simulation: Building payment API sandbox

Module 3: Mobile Money and Digital Wallets

• Interoperability, e-wallet KYC/AML compliance
• Use cases in retail and cross-border trade
• Activity: Wallet integration planning

Module 4: Cryptocurrency and Decentralized Payments

• Blockchain basics, stablecoins, and CBDCs
• Regulatory considerations and risks
• Debate: Viability of crypto in B2B trade

Module 5: Cybersecurity and Transaction Security

• TLS/SSL, tokenization, encryption standards
• Two-factor authentication and PCI DSS
• Exercise: Threat modeling in a fintech environment

Module 6: Fraud Detection and Risk Management

• Behavioral analytics and anti-fraud tools
• Real-time monitoring systems
• Case Study: Fraud detection in high-risk industries

Module 7: Regulatory Frameworks for Digital Payments

• Local, regional, and global compliance requirements
• GDPR, PSD2, CBK regulations
• Exercise: Mapping a compliance checklist

Module 8: Embedded Finance and Buy Now Pay Later (BNPL)

• Use cases in checkout financing
• Risks and advantages to SMEs and consumers
• Simulation: Embedding BNPL into e-platform

Module 9: Building Consumer Trust in Digital Trade

• UX strategies for transparency and reliability
• Dispute resolution mechanisms and SLAs
• Group Task: Trust-building toolkit for payment pages

Module 10: Strategic Fintech Integration Planning

• Aligning business models with fintech innovation
• Selecting vendors and payment partners
• Capstone Project: Full fintech integration roadmap