Digital financial services have brought millions of people and small businesses into formal payments and credit. They have also created organisations whose finances look unlike a traditional bank: revenue arrives in fractions of a percent on very large volumes, customer money is held in trust, and settlement with banks, networks and agents runs every day. In this environment financial discipline and risk control are inseparable.

The Financial Management for Digital Financial Services, Payments & Fintech Risk Training Course starts with the business model. Participants break down how payment providers, mobile money operators, switches, aggregators and digital lenders earn and spend, and use that understanding to build unit economics and forecasts. They then deal with the working capital questions particular to the sector: holding enough float without tying up capital, managing agent liquidity, funding settlement and protecting customer funds.

The second half is devoted to control and risk. Participants study reconciliation between the platform ledger, trust account and partner statements, and learn how to spot leakage and misstatement. They examine fraud, anti-money laundering, cybersecurity, operational outage and vendor risks, and see how each appears in financial results. Throughout, they use sample data and simple models in spreadsheets so that concepts become tools. The week closes with a management dashboard that links growth, margins, liquidity and risk indicators.

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

• Explain the revenue streams and cost drivers of payment and digital financial service providers.
• Build a unit economics and break-even model for a product or channel.
• Forecast liquidity, float requirements and settlement obligations.
• Safeguard customer funds through trust account and escrow management.
• Perform and interpret transaction, ledger and partner reconciliations.
• Recognise common fraud schemes and design preventive and detective controls.
• Apply anti-money laundering and counter-terrorist financing requirements to digital products.
• Prepare a financial and risk dashboard for management and regulators.

The course is suited to people responsible for the finances or risk of digital payment and fintech businesses, including:

• Finance managers, accountants and financial controllers in payment companies
• Mobile money and e-wallet operations managers
• Treasury and settlement officers
• Risk, fraud and compliance officers
• Internal and external auditors of financial service providers
• Agent network and channel managers
• Product managers for digital lending and payments
• Bank staff working with fintech partners
• Fintech founders and regulators' supervisory staff

Participants leave the course with:

• A unit economics spreadsheet they can adapt to their own products.
• A float and settlement forecasting approach for daily treasury decisions.
• A reconciliation process map with control points and exception handling steps.
• A fraud risk matrix that links typologies to controls.
• An AML red-flag checklist for digital channels.
• A one-page dashboard layout for monthly management reporting.

The course is lab driven, with finance and risk questions tackled through data:

• Spreadsheet modelling sessions using sample transaction and settlement files
• A reconciliation lab with planted exceptions to find
• Case studies of fraud events and funding shortfalls at payment providers
• Group design of control frameworks for a new product
• Presentations of dashboards and action plans for feedback

Participants who attend the full programme and complete the modelling and reconciliation exercises receive a CPD-accredited Certificate of Completion issued by Vision Reach Global Consultancy.