Fintech Explained: How Technology Is Reshaping Financial Services

Introduction

This live and interactive session provides a structured introduction to the fintech ecosystem, explaining how technology-driven business models are reshaping traditional financial services and why this matters for professionals working in regulated environments.

Financial service professionals are increasingly required to understand fintech not only as a market trend, but as a source of operational, regulatory, and strategic implications. New technologies, embedded finance models, and data-driven services affect how products are distributed, how risks arise, and how regulatory obligations are applied in practice.

The session places fintech developments in their commercial and regulatory context, helping you understand where disruption is occurring, which technologies are driving it, and how regulatory frameworks are responding. Attention is given to payments, digital assets, embedded finance, and the growing role of data and AI.

After attending the session, you will be better equipped to engage confidently with fintech-related discussions within your organisations, identify key risk and compliance considerations, and understand the consequences of misinterpreting business models or regulatory scope.

What You Will Learn

This live and interactive session will cover the following:

• What is meant by “fintech” and how the sector has evolved
• Key growth drivers, market dynamics, and the rise of embedded finance
• Which parts of financial services are being disrupted, including:
• Banking (deposits, lending, global neobanks)
• Payments and instalment products (including “BNPL 2.0” models)
• Digital assets (stablecoins, early CBDC pilots, tokenised real-world assets)
• Wealth and asset management (micro-investing, automated saving, robo-advice)
• Personal finance management (PFM) tools and data-driven budgeting
• Insurtech (usage-based insurance, climate-risk pricing, embedded cover)
• How open and embedded finance APIs enable the distribution of financial products via third-party platforms
• Key enabling technologies, including generative AI, blockchain developments, biometrics and advanced analytics
• An overview of the regulatory landscape relevant to fintech, including:
• PSD3 and the Payment Services Regulation
• MiCAR for crypto-assets
• The EU AI Act
• Enhanced AML requirements and Strong Customer Authentication
• Why real-time data access has become a competitive and regulatory differentiator
• A practical case study illustrating current fintech adoption:
• Klarna’s AI Assistant and its impact on customer service operations

Recording of live sessions: Soon after the Learn Live session has taken place you will be able to go back and access the recording - should you wish to revisit the material discussed.