Training and Capacity-Building Portfolio
Purpose of This Portfolio
This portfolio sets out the complete training and capacity-building offering of Cedratech Consulting Services Ltd. It presents every programme available for delivery, organized into ten learning paths and three delivery tiers, so that an institution can select a single session, assemble a structured learning track, or commission a full capacity-building curriculum.
The offering serves employers building internal capability, universities preparing students for the digital economy, and donor-funded workforce and institutional-strengthening programmes. The subject matter remains constant across all three; the delivery format adapts to the audience and the depth of transfer required.
What Participants Gain
- Practical digital skills that transfer directly into the workplace
- A working understanding of the global digital economy
- Applied knowledge of financial technologies and the systems behind them
- Improved career readiness and professional mobility
- Current command of digital innovation trends
- Strengthened professional competencies across technical and leadership domains
- A foundation for lifelong learning as the field advances
How the Portfolio Works: Three Delivery Tiers
Every programme in this catalog carries a tier. The tier defines the audience, the format, the duration, and the recognition awarded. A topic may appear at more than one tier, delivered at different depth for different audiences.
Tier 1 — Foundational
Tier 2 — Intermediate
Tier 3 — Advanced / Executive
Programmes combine into learning tracks. A typical institutional track opens with a Tier 1 webinar to establish shared vocabulary, moves through Tier 2 courses for the teams who will operate the capability, and closes with a Tier 3 executive workshop for the leadership accountable for it.
Delivery languages: English, with Arabic available on request. Materials are provided in English.
The Ten Learning Paths
Explore our core curriculum categories below. Click any card to jump directly to that path in the catalog.
Digital Economy, Banking and Transformation
The foundations of digital finance and the institution-wide transformation it demands.
Payments and Digital Money
Payment instruments, rails, wallets, cards, fraud, and the economics that govern them.
Payment Systems Operations and Market Infrastructure
Interbank settlement, RTGS, clearing, liquidity, national payment systems, and DPI.
Open Banking, APIs and Interoperability
Open banking and open finance, API architecture, consent, sandboxes, and platform models.
FinTech and Emerging Technology
Blockchain, digital assets, tokenization, cloud, quantum, and the emerging technology frontier.
Data, Artificial Intelligence and Analytics
Data literacy, machine learning, agentic AI, model risk, and trustworthy AI governance.
Risk, Cybersecurity and Operational Resilience
Cyber threats, ICT risk, DORA, third-party risk, business continuity, and privacy.
Compliance, RegTech and SupTech
AML/CFT, financial crime, MiCA, consumer protection, regulatory automation, and SupTech.
Financial Inclusion and Development Finance
Inclusive digital products, digital lending, MSME finance, agency banking, and green finance.
Innovation, Entrepreneurship and Professional Skills
Design thinking, startup building, agile delivery, leadership, and career readiness.
The Complete Catalog
Tier key: F Foundational (Tier 1) · I Intermediate (Tier 2) · A Advanced / Executive (Tier 3)
Digital Economy Fundamentals
How digital technology reshapes markets, money, business models, and work across the global economy.
Digital Finance
The architecture of digital financial services: channels, products, providers, and the value they create.
Digital Banking
Digital banking models, from channel digitization through to fully digital institutions.
Digital Banking Products and Channels
The product set and the channels through which customers reach a modern bank.
Digital Commerce
E-commerce models, merchant channels, and the digital retail value chain.
Digital Transformation
What digital transformation means in practice, and the shifts in people, process, and technology it requires.
Digital Transformation in Finance
Transformation strategy and execution inside banks, microfinance institutions, and payment providers.
Business Transformation and Operating Model Design
Redesigning enterprise processes, structures, and capabilities for digital delivery.
Digital Transformation Strategy and Change Management
Executive-level design and leadership of institution-wide transformation programmes.
Change Management and Digital Adoption
Securing genuine adoption of new systems by staff, agents, and customers.
Digital Customer Experience and Journey Design
Mapping and designing end-to-end customer journeys across digital channels.
Customer-Centric Digital Product Design
Applying user-centered design principles to digital financial products.
Digital Finance for Financial Sector Development
Policy-level capacity building on digital finance as an engine of financial sector development.
Leadership and Governance in Digital Financial Institutions
Board and executive governance of digitally transformed financial institutions.
Digital Payments
Payment instruments, rails, participants, and flows across the digital payments ecosystem.
Digital Financial Literacy
Practical command of digital money, accounts, payments, and safe usage.
Mobile Money and Digital Wallets
Wallet models, stored value, agent networks, and mobile-money ecosystems.
Cards, Acquiring and Merchant Payments
Issuing, acquiring, scheme rules, and the servicing of merchants at scale.
Terminal and Merchant Management
POS estate management, terminal lifecycle, and merchant onboarding operations.
Cross-Border Payments and Remittances
Correspondent banking, remittance corridors, and the economics of cross-border transfer.
Digital Payment Ecosystems and Interoperability
Designing interoperable payment ecosystems across banks, PSPs, telcos, and schemes.
Digital Payments and Fraud Prevention
Fraud typologies across payment channels and the controls that contain them.
Agency Banking and Agent Network Management
Agent distribution, liquidity management, and rural reach.
Payment Economics and Pricing
Interchange, MDR, scheme economics, and the unit economics of payment products.
Instant Payment Systems and Interoperability
Fast payment rails, scheme design, and the interoperability that makes them reach.
Clearing, Settlement and Reconciliation Operations
How transactions clear, settle, reconcile, and how exceptions are identified and resolved.
IT Aspects of Payments Digitalization
Architecture, security, and interoperability of national payment systems, for central bank IT and payments teams.
Legal, Economic and Business Aspects of Payments Digitalization
Legal and business frameworks governing national payment systems, for regulatory and economic units.
National Payment Systems Operations: RTGS and Interbank Funds Transfer
Real-time gross settlement, interbank transfer, liquidity positioning, and reconciliation, delivered against a live national system.
Liquidity Management in Settlement Systems
Intraday liquidity, funding structures, and the alignment of liquidity with transaction execution.
Digital Public Infrastructure: the ID–Pay–Data Stack
National DPI design, the interdependence of identity, payments, and data exchange, and the governance that holds it together.
Digital Identity Fundamentals
Identity systems, credentials, and their role as the prerequisite for digital finance.
Foundations of Open Banking
What open banking is, who participates, and the value it unlocks.
APIs and Open Banking Basics
APIs explained for business audiences, and how they carry open banking.
Open Banking Regulations and Implementation
Implementing open banking regulatory frameworks, for policy and technical staff.
API Architecture and Microservices in Finance
API design, microservices, and the technical architecture behind open financial platforms.
Open Banking and API Integration
Integration patterns, interoperability, and the practical work of connecting institutions.
Digital Identity, Consent and Data Governance
Consent architecture, identity binding, and governance of shared financial data.
Open Banking Implementation Kit
A structured implementation toolkit for institutions and regulators standing up open banking.
Applied Use Cases and Regional Strategies
Account aggregation, account-to-account payments, and regional open banking strategy.
Open Finance and PSD2 to PSD3
The European regulatory arc from PSD2 to PSD3 and the Payment Services Regulation, and what it obliges.
Premium API Monetization and Consent Architecture
Commercial models for API ecosystems, and the consent and authentication design beneath them.
Embedded Finance, Banking-as-a-Service and Platform Models
License holder, platform, and distributor: partner economics and compliance allocation across the stack.
Sandbox Simulation and Policy Testing
Designing and running regulatory sandboxes for controlled innovation and policy experimentation.
Sandbox-Based Training Programs
Experiential learning inside a live sandbox environment for banks, fintechs, and supervisors.
FinTech Fundamentals
The fintech landscape: segments, players, business models, and where value accrues.
Financial Technology Applications
Applied fintech across lending, payments, insurance, and wealth, with working examples.
Emerging Digital Technologies
The current technology frontier and its bearing on financial institutions.
Emerging Technologies in Banking: AI, Blockchain and IoT
Frontier technologies assessed for banking application, risk, and readiness.
Emerging Digital Finance Technologies in Banking
An intensive executive programme across the full emerging-technology agenda facing a bank.
Blockchain and Distributed Ledger Fundamentals
How distributed ledgers work, and what they change about trust, record-keeping, and settlement.
Introduction to Digital Assets and Cryptocurrencies
Digital asset categories, market structure, and the vocabulary of the sector.
Blockchain, Digital Assets and Crypto Assets
Digital asset frameworks, custody, market infrastructure, and institutional entry points.
Certified Blockchain Expert
In-depth blockchain certification for advanced practitioners.
Decentralized Finance (DeFi) Essentials
DeFi protocols, liquidity models, and the risks that accompany them.
Tokenization and Digital Asset Custody
Tokenized deposits, securities, and real-world assets; custody separation, settlement finality, and the compliance architecture around them.
Digital Contracts and Smart Contracts
Executable contract logic, legal enforceability, formal verification, oracles, and code as a compliance artifact.
Blended Digital Assets and Hybrid Finance
Regulatory perimeters, consumer protection, and ecosystem monetization across nested hybrid products.
Stablecoins, CBDC and Programmable Money
Retail and wholesale CBDC design, stablecoin reserve and governance models, and programmable money.
Cloud Computing Essentials
Cloud service models, deployment options, and what they mean for a financial institution.
Cloud Computing and Financial Infrastructure
Cloud adoption for regulated workloads: architecture, residency, resilience, and supervisory expectation.
Quantum Computing in Finance
Quantum computing assessed for its financial-sector applications and its threat to current cryptography.
Post-Quantum Readiness and Crypto-Agility
Preparing an institution's cryptographic estate for the post-quantum transition.
Islamic FinTech
Applying fintech within Sharia-compliant structures and products.
FinTech in Green Finance
Where financial technology accelerates green and sustainable finance.
Digital Innovation Expert
Building institutional capability in digital product design, innovation process, and commercialization.
Data and Analytics
How data becomes insight, and how insight becomes decision.
Data Literacy for Business Professionals
Reading, questioning, and using data with confidence in a business role.
Data Visualization and Storytelling
Turning analysis into a narrative that moves an audience to decide.
Digital Marketing and Growth Analytics
Digital acquisition, funnel analytics, and measurement of growth.
Introduction to Agentic AI in the Workplace
What agentic AI is, how it differs from generative AI, and where it changes professional work.
AI and Machine Learning for Non-Technical Professionals
Artificial intelligence explained for business, risk, and compliance audiences.
Data Preparation for Machine Learning
Building the datasets that machine learning depends on: quality, lineage, and structure.
Machine Learning Fundamentals for Financial Services
Applying machine learning to risk, scoring, and decision models.
Artificial Intelligence in Finance
AI across financial operations: where it works, where it fails, and what it costs.
AI for Business: Preparing for AI Integration
Readying an institution to adopt AI: use cases, data, people, and process.
AI Readiness and Adoption in Banking
Closing the capability and human-resource gaps that hold back AI adoption in banks.
Digital Lending and Risk Scoring in Retail Banking
Credit scoring, alternative data, and analytics-driven lending decisions.
Responsible AI and Digital Ethics in Finance
Fairness, transparency, accountability, and the ethical frame around financial AI.
Agentic AI for Financial Services: Architecture and Governance
Framed and controlled agentic AI: bounded autonomy, persistent memory, tool use, human-in-the-loop design, and cost discipline.
AI Governance and Model Risk Management
Model lifecycle governance mapped to the EU AI Act, NIST AI RMF, and ISO/IEC 42001.
Effective Use of AI Against Money Laundering and Terrorism Financing
Applying AI and machine learning to detect, predict, and disrupt illicit financial flows, integrated with AML/CFT and supervisory frameworks.
Data Governance, Classification and Privacy Impact Assessment
Classification schemes, stewardship, residency, retention, and DPIA methodology.
Cybersecurity Awareness
The threats that reach every employee, and the habits that stop them.
Fraud Awareness in Digital Channels
Recognizing social engineering, account takeover, and payment fraud as they present.
Data Privacy and GDPR Essentials
Personal data, lawful basis, data subject rights, and everyday privacy obligations.
Cybersecurity Essentials for Financial Institutions
Threat landscape, controls, and governance for institutions holding financial data and value.
Risk Management in the Digital Era
Operational, technology, and conduct risk in digitally delivered financial services.
IT Governance and Compliance
Governance structures, control frameworks, and assurance over digital operations.
Third-Party, Vendor and Outsourcing Risk
Concentration risk, contractual safeguards, exit strategy, and the register that holds it together.
Business Continuity and Resilience Testing
Continuity planning, scenario testing, and threat-led penetration testing.
Digital Risk Management and Cyber Resilience
Operational resilience and incident response for risk and compliance divisions.
Securing Digital Operations and Mitigating Cyber Threats in Regulated Entities
The contemporary threat landscape for regulated entities, including AI-enabled attack, deepfake fraud, conflict-linked threat actors, and crypto-agility.
DORA and Operational Resilience: ICT Risk Governance
The five pillars of DORA, board-level ICT governance, incident classification, and the continuing-development obligation that follows.
Introduction to RegTech
What regulatory technology does, and where it earns its keep.
Introduction to AML and Financial Crime
Money laundering, terrorist financing, and the risk-based approach, explained from first principles.
Consumer Protection in Digital Finance
Fair treatment, disclosure, complaints handling, and redress in digital channels.
E-KYC and Digital Onboarding
Remote identification, verification, and the onboarding journey under regulatory constraint.
Digital Identity, KYC/AML and Data Protection
The intersection of identity, financial crime controls, and data protection obligations.
AML/CFT and the FATF Recommendations for Digital Finance
The FATF standards applied to digital finance, virtual assets, and the Travel Rule.
Financial Crime Prevention and Risk Management
Detecting and containing financial crime across digital environments.
RegTech Solutions
Tools and automation for regulatory reporting, monitoring, and case management.
Regulatory Technology and Compliance Automation
Automating the compliance workflow end to end, from obligation to filing.
Digital Banking Operations and Compliance
Compliance embedded within digital banking operations, and the efficiency it releases.
Case Study Analysis and Simulations
Applying regulatory knowledge to realistic institutional scenarios.
RegTech for Small and Medium PSPs
Turning the cost of compliance into infrastructure advantage: automation, embedded compliance, and the revenue channel inside a compliance stack.
MiCA Compliance Automation: Transaction Monitoring and Reporting for CASPs
Scenario design, threshold tuning, automated filing, and the human-oversight gates that keep automation trustworthy.
MiCA Complaints Handling for CASPs
Supervisory expectations under ESMA, EBA, and CySEC, and the complaints architecture they require.
Embedded Consumer Protection in Digital Investment Platforms
Safeguards by design across digital investment and trading platforms.
SupTech and Infrastructure Monetization
Compliant APIs as a revenue engine: what BIS proof points establish, and how an institution monetizes supervisory-grade infrastructure.
RegTech and SupTech for Financial Authorities
Supervisory technology for regulators: data ingestion, analytics, alerting, and examiner workflow.
Strategic Digital Finance for Executives: Standards, Compliance and Innovation
Strategic leadership across international standards, compliance obligation, and innovation, for boards and senior executives.
Financial Inclusion
Access, usage, quality, and welfare: what inclusion means and how it is measured.
MSME Digitalization
Practical digitalization for micro, small, and medium enterprises.
Sustainability and the Green Digital Economy
Where sustainability and digital transformation reinforce one another.
Youth FinTech Programs
Introducing young professionals to fintech careers, tools, and innovation.
Digital Financial Inclusion Strategies
Designing inclusive digital products and the strategies that carry them to scale.
Financial Inclusion and Digital Lending Strategies
Inclusive lending product design for underserved segments.
Digital Lending, BNPL and MSME Finance
Digital credit models, buy-now-pay-later, and MSME financing structures.
Digital Lending Approach: Digital Tools
The tooling of digital origination, monitoring, and collection.
Green Finance and ESG
Sustainable finance frameworks, green product design, and ESG risk assessment.
Women in FinTech
Capacity building and advancement for women professionals across the fintech sector.
AgriFinance and Climate-Smart Lending
Value chain finance, seasonal and asset-based lending, weather and yield data, and climate risk in credit decisioning.
ESG Taxonomies and Sustainable Finance
Taxonomy alignment, sustainability-linked products, KPI calibration, and disclosure architecture under CSRD, SFDR, and ISSB.
Innovation
How institutions generate, test, and commercialize new ideas.
Entrepreneurship
Building a venture: opportunity, model, execution, and risk.
Design Thinking and Problem Solving
A structured method for framing problems and designing solutions around users.
Startup Fundamentals and Business Model Design
From idea to business model, with the discipline to test assumptions early.
Pitching and Fundraising Basics
Constructing and delivering an investment case.
Project Management for Digital Initiatives
Planning, sequencing, and delivering digital projects to time and budget.
Agile Ways of Working
Agile practice for teams delivering digital products.
Digital Collaboration and Remote Work
Tools and habits for effective distributed working.
Digital Skills for Employability
The digital competencies employers look for, taught for immediate application.
Commissioning a Programme
Programmes are delivered as single sessions, structured tracks, or full curricula, and are tailored to the institution, the audience, and the depth of transfer required. Tier 2 and Tier 3 engagements open with a Knowledge or Staff Assessment Test, which calibrates content to the capability already present in the room.
For more information on a particular training, kindly request the course outline at least 7 days before the intended date.