Fintech: how the sector works
how fintech works: unbundling and re-bundling financial services, the main models (payments, lending, neobanks, embedded finance), and the regulatory/licensing reality.
Fintech reshapes how money moves, is stored, lent, and invested by unbundling traditional banking into specialized digital services. This block gives you the operating map: how payments, lending, banking-as-a-service, and wealthtech actually function end to end, who captures value across issuers, processors, networks, and platforms, and how incumbents, challengers, and Big Tech compete for distribution and margin. You will learn the regulatory architecture (licensing, AML/KYC, data and payments rules) that shapes what is legally possible, plus the market sizing, benchmarks, and vocabulary needed to read the sector fluently. Together these modules build the baseline literacy required before going deeper into specific fintech verticals or deals.
Ce que vous allez maîtriser
- Map a fintech value chain end to end and identify where margin and value actually concentrate
- Assess competitive position of an incumbent, challenger, or platform player given power dynamics in the chain
- Identify which regulations and licenses apply to a given fintech business model and what compliance they require
- Use market sizing figures, benchmarks, and standard calculations to evaluate or pitch a fintech opportunity