BANKING-AS-A-SERVICE TRAINING COURSE

COURSE OVERVIEW

Banking-as-a-Service (BaaS) Training Course is a comprehensive professional programme designed to equip banking executives, FinTech professionals, technology leaders, digital transformation managers, product managers, payment specialists, regulators, compliance officers, and business strategists with practical knowledge and skills required to design, implement, manage, and scale Banking-as-a-Service platforms. The course explores how regulated banking capabilities can be delivered through technology infrastructure and APIs to FinTech companies, retailers, marketplaces, telecommunications companies, and other non-bank businesses, enabling them to offer digital financial products without building a complete banking infrastructure from the ground up.

The programme provides an in-depth understanding of BaaS business models, Banking-as-a-Platform, API banking, embedded finance, Open Banking, Open Finance, digital payments, digital accounts, cards-as-a-service, lending-as-a-service, compliance-as-a-service, banking infrastructure, cloud banking, API ecosystems, financial technology partnerships, digital identity, customer onboarding, and financial-product distribution. Participants will examine the roles and responsibilities of sponsor banks, licensed financial institutions, FinTech companies, technology providers, programme managers, payment processors, and distribution partners within the BaaS ecosystem.

Participants will develop practical competencies in BaaS strategy, platform architecture, API management, product development, partner onboarding, customer lifecycle management, regulatory compliance, AML/KYC, cybersecurity, data governance, third-party risk management, operational resilience, transaction monitoring, revenue models, pricing strategies, financial inclusion, and ecosystem governance. The course emphasizes secure and scalable infrastructure, regulatory accountability, customer protection, operational efficiency, innovation, and sustainable BaaS business models.

Through practical exercises, industry case studies, BaaS ecosystem mapping, API architecture scenarios, business-model simulations, risk assessments, partnership workshops, and implementation exercises, participants will develop a Banking-as-a-Service Strategy and Implementation Roadmap. The programme enables organizations to identify new revenue opportunities, expand digital financial services, establish strategic FinTech partnerships, improve customer reach, strengthen compliance and risk management, and build scalable digital banking ecosystems.

COURSE OBJECTIVES

By the end of the training, participants will be able to:

1. Explain the principles, evolution, and strategic importance of Banking-as-a-Service.
2. Identify major BaaS ecosystem participants, roles, responsibilities, and value chains.
3. Develop effective Banking-as-a-Service business strategies and operating models.
4. Understand BaaS technology architecture, APIs, cloud infrastructure, and integration.
5. Design digital banking products and services using BaaS infrastructure.
6. Develop effective bank-FinTech and technology-partnership models.
7. Assess BaaS regulatory, compliance, cybersecurity, and operational risks.
8. Strengthen AML/KYC, customer onboarding, transaction monitoring, and fraud controls.
9. Develop appropriate BaaS revenue, pricing, scalability, and performance models.
10. Develop an actionable Banking-as-a-Service Strategy and Implementation Roadmap.

ORGANIZATION BENEFITS

1. Strengthens Banking-as-a-Service strategic capabilities.
2. Creates new digital banking revenue opportunities.
3. Accelerates development and deployment of financial products.
4. Improves collaboration between banks, FinTechs, and technology companies.
5. Strengthens API banking and digital-platform capabilities.
6. Enhances regulatory compliance and risk governance.
7. Improves cybersecurity and third-party risk management.
8. Supports embedded finance and Open Banking initiatives.
9. Expands customer reach and financial-service accessibility.
10. Improves organizational competitiveness, innovation, scalability, and sustainable growth.

TARGET PARTICIPANTS

This course is designed for Banking Executives, FinTech Executives, Digital Banking Managers, Chief Technology Officers, Chief Information Officers, Product Managers, Innovation Managers, Digital Transformation Managers, API Architects, Technology Professionals, Payment Service Providers, Compliance Officers, Risk Managers, Cybersecurity Professionals, Data Protection Officers, Business Development Managers, Strategy Managers, Financial Regulators, Business Analysts, E-commerce Executives, Telecommunications Professionals, and senior professionals working in banks, FinTech companies, technology firms, telecommunications companies, payment institutions, insurance companies, marketplaces, and other digital financial-service organizations.

COURSE OUTLINE

MODULE 1: BANKING-AS-A-SERVICE FUNDAMENTALS & ECOSYSTEM

1. Evolution and principles of Banking-as-a-Service
2. BaaS versus traditional banking and Banking-as-a-Platform
3. BaaS ecosystem participants and value chains
4. Sponsor banks, FinTechs, technology providers, and distributors
5. BaaS opportunities, challenges, and success factors
6. Global trends in digital banking infrastructure
   General Case Study: A licensed bank wants to transform its infrastructure into a BaaS platform and provide banking capabilities to FinTech companies. Participants map the ecosystem, stakeholders, opportunities, and risks.

MODULE 2: BaaS BUSINESS MODELS, PRODUCTS & REVENUE

1. Developing a Banking-as-a-Service business model
2. Digital accounts and payments-as-a-service
3. Cards-as-a-Service and digital card solutions
4. Lending-as-a-Service and embedded credit
5. Banking products for marketplaces and digital platforms
6. BaaS pricing, monetization, and revenue models
   General Case Study: A technology company wants to launch digital accounts and payment cards without becoming a traditional bank. Participants develop a BaaS business model covering products, partners, revenue, customers, and operational requirements.

MODULE 3: BaaS TECHNOLOGY, APIs & DIGITAL INFRASTRUCTURE

1. BaaS technology architecture and infrastructure
2. API banking and API lifecycle management
3. Cloud banking and scalable financial infrastructure
4. Core banking integration and interoperability
5. Digital identity, authentication, and customer onboarding
6. API security, performance, monitoring, and resilience
   General Case Study: A BaaS provider experiences increasing API traffic after onboarding multiple FinTech partners. Participants design an architecture that supports scalability, security, availability, monitoring, and operational resilience.

MODULE 4: REGULATION, COMPLIANCE & RISK MANAGEMENT

1. BaaS regulatory frameworks and licensing requirements
2. Regulatory responsibilities across BaaS partnerships
3. AML/CFT, KYC, and customer due diligence
4. Transaction monitoring and digital financial crime
5. Consumer protection and responsible financial services
6. Regulatory reporting, audits, and compliance monitoring
   General Case Study: A FinTech partner rapidly acquires customers through a BaaS platform but weaknesses emerge in KYC and transaction monitoring. Participants develop an integrated BaaS compliance and regulatory-governance framework.

MODULE 5: CYBERSECURITY, DATA & THIRD-PARTY GOVERNANCE

1. Cybersecurity risks in BaaS ecosystems
2. Data governance, privacy, and financial-data protection
3. Third-party and outsourcing risk management
4. Vendor due diligence and partner risk assessment
5. Fraud prevention and digital transaction security
6. Business continuity and operational resilience
   General Case Study: A BaaS platform experiences a cybersecurity incident involving an external technology provider. Participants conduct a third-party risk assessment and develop cybersecurity, incident-response, and business-continuity controls.

MODULE 6: BaaS STRATEGY, PARTNERSHIPS & IMPLEMENTATION

1. BaaS partnership strategy and partner selection
2. Partner onboarding, service-level agreements, and governance
3. Customer experience and digital financial journeys
4. BaaS performance indicators and management dashboards
5. Scaling, innovation, and ecosystem expansion
6. Developing a Banking-as-a-Service Strategy and Implementation Roadmap
   General Case Study: A financial institution plans to establish a regional BaaS platform serving retailers, FinTech companies, and telecommunications businesses. Participants develop an implementation roadmap covering technology, products, partnerships, regulation, risk, revenue, and scalability.

GENERAL INFORMATION

1. Customized Training: All our courses can be tailored to meet the specific needs of participants.
2. Language Proficiency: Participants should have a good command of the English language.
3. Comprehensive Learning: Our training includes well-structured presentations, practical exercises, web-based tutorials, and collaborative group work. Our facilitators are seasoned experts with over a decade of experience.
4. Certification: Upon successful completion of training, participants will receive a certificate from Foscore Development Center (FDC-K).
5. Training Locations: Training sessions are conducted at Foscore Development Center (FDC-K) centers. We also offer options for in-house and online training, customized to the client's schedule.
6. Flexible Duration: Course durations are adaptable, and content can be adjusted to fit the required number of days.
7. Onsite Training Inclusions: The course fee for onsite training covers facilitation, training materials, two coffee breaks, a buffet lunch, and a Certificate of Successful Completion. Participants are responsible for their travel expenses, airport transfers, visa applications, dinners, health/accident insurance, and personal expenses.
8. Additional Services: Accommodation, pickup services, flight booking, and visa processing arrangements are available upon request at discounted rates.
9. Equipment: Tablets and laptops can be provided to participants at an additional cost.
10. Post-Training Support: We offer one year of free consultation and coaching after the course.
11. Group Discounts: Register as a group of more than two and enjoy a discount ranging from 10% to 50%.
12. Payment Terms: Payment should be made before the commencement of the training or as mutually agreed upon, to the Foscore Development Center account. This ensures better preparation for your training.
13. Contact Us: For any inquiries, please reach out to us at training@fdc-k.org or call us at +254712260031.
14. Website: Visit our website at www.fdc-k.org for more information.