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