Programme Overview

This course explores the profound disruption caused by FinTech in the domains of banking and digital lending, equipping participants with the knowledge and skills to navigate this transformative era. Traditional banking and lending models, often constrained by inefficiencies, manual processes, and limited customer outreach, are being redefined by the rapid adoption of digital technologies and innovative business models.

The course begins with an overview of the traditional banking industry, examining its regulatory frameworks, business models, and operational challenges. It then delves into the disruptive forces reshaping the sector, focusing on how FinTech innovations such as digital-only banks, peer-to-peer lending platforms, and embedded finance solutions are redefining customer experiences and competitive landscapes. Participants will also explore cutting-edge technologies like artificial intelligence, blockchain, and alternative data sources that power these innovations, enabling faster, more personalized, and cost-efficient financial services.

By examining real-world case studies, participants will gain insights into the challenges and opportunities of FinTech disruption, including strategies to address data privacy, regulatory compliance, and cybersecurity risks. The course will also highlight how FinTech is fostering financial inclusion, enabling access to banking and credit for underserved populations.

By the end of the course, participants will have a comprehensive understanding of the evolving dynamics of FinTech in banking and digital lending. This knowledge will empower them to design and implement innovative financial solutions, address emerging risks, and contribute to building a more inclusive, efficient, and future-ready financial ecosystem.

Programme Objective
  • To understand the evolution of digital lending and its disruptive impact on traditional lending practices.
  • To explore the technologies driving innovation in digital lending, including AI, blockchain, and alternative credit scoring.
  • To analyze the benefits of digital lending for financial inclusion and business efficiency.
  • To examine risks, challenges, and regulatory frameworks in the digital lending ecosystem.
  • To identify future trends shaping the digital lending landscape & banking.
Key Topics
  1. Foundations of Banking and Lending
    • Evolution of Banking
    • Traditional Banking and Lending Models: Strengths and Limitations
    • Regulatory landscape and risk management
  2. Disruptive Business Models in Banking and Lending
    • Key Drivers of FinTech Disruption: Technology, Consumer Behavior, and Regulation
    • Digital-Only Banks (Neobanks): Revolutionizing Customer Experiences
    • Open Banking and APIs: Collaboration Between Banks and FinTechs
    • Peer-to-Peer (P2P) Lending and Crowdfunding Platforms
  3. Advanced Technologies Enabling Disruption
    • Artificial Intelligence (AI) and Machine Learning (ML) in Banking and Lending
    • Alternative Data for Credit Scoring: Expanding Financial Inclusion
    • Role of Cloud Computing and Digital Infrastructure
  4. Challenges and Risks in FinTech Integration
    • Data Privacy and Cybersecurity in Banking and Lending
    • Regulatory and Compliance Challenges in a Digital Ecosystem
    • Ethical Concerns: Over-Indebtedness and Responsible Lending Practices
    • Managing Operational Risks and Legacy Systems in Banks
  5. Future of Banking and Digital Lending
    • Decentralized Finance (DeFi): Opportunities and Threats for Traditional Banking
    • Collaborative Innovations Between Traditional Banks and FinTech Startups
    • Successful Disruptions in Banking and Lending by FinTech Players
Programme Directors
Professor Vivek Rajvanshi

Professor Vivek Rajvanshi

Finance and Control

Professor Sudarshan Kumar

Professor Sudarshan Kumar

Finance and Control

Who May Attend

Mid and senior-level executives who are working as:

  • Banking Professionals and Decision-Makers
  • Risk Management Specialists
  • Credit Analysts
  • Technologist working in the financial industry
Programme Duration and Delivery
  • From the morning of October 27, 2025 till the afternoon of October 30, 2025
  • Face to face - classroom based
Pedagogy
  • Interactive Lectures
  • Business Case Discussions
  • Group Projects
How to Apply
  • You can apply/nominate your personnel by clicking on the “Apply Now” link corresponding to the particular MDP, as appearing on our online calendar available at: https://iimcal.ac.in/mdp/mdp-calendar
  • Once the candidature(s) is (are) approved, the sponsoring authority or participant (in case of self-nomination) will be intimated over email along with a Proforma Invoice seeking programme fees in advance.
  • Programme fees can be remitted online through Electronic Fund Transfer (NEFT/RTGS).
  • Upon remitting the fees online, kindly intimate CMDP office with the UTRNo. /relevant transaction details through email, so that we can connect your remittance to your nomination(s). Please note that confirmation of participation is subject to receipt of Programme fees by CMDP Office before commencement of the MDP.

For further assistance, please connect with:

Name: Ms. Payel Majumder
Number: +91 33 7121 6012
Email ID: program_mdp[at]iimcal[dot]ac[dot]in

Programme Brochure
MDP Brochure