Finance in fintech
fintech unit economics: take rates and interchange, the cost of funds and risk in lending, path to profitability, and how fintechs are valued.
This block builds sector-specific financial fluency for fintech. You will examine how core finance concepts (revenue recognition, unit economics, capital structure) apply differently when a company processes payments, lends, or holds e-money versus a traditional business. You will learn the calculations and benchmarks investors, regulators and boards use to judge fintech performance in the US and Europe, from CAC payback to net interest margin. Finally, you will study the regulatory frameworks (PSD2, EMI licensing, BSA/AML) and risk types (credit, fraud, liquidity, compliance) unique to this sector, plus the due-diligence checks practitioners run before investing in, partnering with, or auditing a fintech company.
What you'll master
- Apply core financial concepts correctly to payments, lending and neobank business models
- Calculate and interpret fintech-specific metrics like CAC payback, LTV/CAC, take rate and NIM using US and European benchmarks
- Identify the key financial regulations and licensing regimes governing fintech activity in the US and Europe
- Conduct a practical financial due-diligence review flagging credit, liquidity, fraud and compliance risks
Key terms
Modules
Covers the core revenue models, lending economics, profitability, and valuation drivers specific to fintechs.
Covers the essential metrics, formulas, and benchmarks used to assess fintech performance.
Covers fintech licensing, hidden risks, compliance structures, and how to run due diligence.
Latest articles
Recent articles from the blog that apply to Fintech.
- $800mn at an $8bn floor: what Airtel Money's London IPO demands from an African fintech CFOAirtel Money is preparing to file prospectus documents for what could be one of London's largest listings in recent years, targeting $800mn in proceeds at a valuation of $8bn to $9bn. The preparation required to reach that point tells CFOs more about IPO readiness than any generic checklist.
- Revolut's dual listing play and what it signals for fintech CFOsRevolut is preparing to list simultaneously in New York and London, a structural choice that reveals as much about equity story architecture as it does about exchange selection. For CFOs in high-growth fintech, the decisions behind that choice are worth studying carefully.