Fintech Innovation and Transformation (FIN364)

FIN364 Fintech Innovation and Transformation provides an in-depth and updated exploration of fintech and its role in revolutionising the global financial ecosystem. Students will gain a comprehensive understanding of fintech’s evolution, examining how emerging technologies are or can be used to address key financial pain points and drive economic growth and innovation. The course covers topics such as digital banks, neobanks, wealthtech, Insurtech, regtech, and embedded finance that are reshaping traditional banking, payments, lending, and investment models. Students will also be exposed to the topics of blockchain and distributed ledgers, central bank digital currencies (CBDC), asset tokenisation and digital custodians. Through real-world case studies and analytical exercises, students will also learn practical skills in fintech valuation and recommend effective fintech solutions to solve real-world problems.

• Digital revolution in payment
• Digital banks and neobanks
• Lending and credit tech
• Wealthtech, insurtech, and regtech
• Embedded finance
• Blockchain and distributed ledger technology
• Digital asset and asset tokenisation
• Financial infrastructure and API
• Digital custody
• Fintech valuation
• Financial inclusion
• Regulatory landscape

• Illustrate the evolution and impact of fintech on traditional financial services and the broader global financial ecosystem.
• Examine how fintech innovations address and overcome pain points in the financial system.
• Appraise the usage of emerging technologies in driving economic growth, financial inclusion, and innovation.
• Discuss the significance of regulatory frameworks and compliance in managing risks and ensuring stability in the fintech ecosystem.
• Analyse key factors influencing the valuation and growth of early-stage startups and mature fintech firms.
• Recommend appropriate fintech-driven solutions to enhance operational efficiency, improve accessibility, and promote financial inclusion.