Mobile Money & Digital Financial Services
Mobile money banked hundreds of millions the banks could not reach — its next decade is decided by whoever masters both the telecom and the banking half of the business.
Format
Classroom · Virtual
Upcoming sessions
Pick a session to applyADMISSIONS OPENThe programme
Mobile money is the rare industry born in telecom and regulated like banking — and most professionals know only their half. This programme teaches both: the economics — float, fees, agent commissions and the unit economics that decide viability; the agent network as the real product — recruitment, liquidity management, monitoring; the two-supervisor regulatory reality of central banks and telecom authorities, including e-money licensing, safeguarding of funds and AML obligations; risk and fraud as they actually occur; and the expansion path — credit, savings, insurance and merchant payments built on the rails. Grounded in African and Asian market experience.
What you will do
Who attends
Mobile money and fintech teams at operators and banks; central bank and regulator staff; payments and financial-inclusion professionals; investors in digital financial services.
Programme agenda
Built for the decisions no textbook prepares you for
I.The business
- Unit economics: float income, fees, agent commissions — the honest model
- The agent network: recruitment, liquidity, the trust that is the brand
- Interoperability and the switch: who pays, who benefits
II.The rules
- E-money licensing and safeguarding of customer funds
- AML/CFT with tiered KYC: inclusion and integrity held together
- Two supervisors, one service: managing the central bank and the NRA
III.Risk and the road ahead
- Fraud as it actually happens: agents, SIM swaps, social engineering
- From payments to finance: credit scoring on the rails, savings, insurance
- Partnership models: operator, bank, fintech — who owns the customer
Frequently asked
Who should attend the mobile money course?
It is designed for mobile money and fintech teams at operators and banks, central bank and regulator staff, payments and financial-inclusion professionals, and investors in digital financial services. Because most professionals know only their half of the business, the programme deliberately teaches both the telecom and the banking side.
How does the course handle mobile money regulation?
It works the two-supervisor reality of central banks and telecom authorities: e-money licensing, safeguarding of customer funds, and AML/CFT obligations with tiered KYC that hold inclusion and integrity together. It is professional training, not legal advice — for specific licensing matters, rely on your own counsel.
Which markets does the programme draw on?
The programme is grounded in African and Asian market experience — the markets where mobile money banked hundreds of millions the banks could not reach. It covers unit economics, agent network management, fraud as it actually occurs, and the expansion path from payments into credit, savings, insurance and merchant payments.
Is the programme available in-house and in French?
Yes. BIZENIUS delivers the programme in English and French, and an in-house edition can be tailored to your market, licence regime and agent network. Sessions run on a rolling calendar with dates confirmed on request, and fees and quotations are provided on enquiry.
Who teaches this
Practitioners, not presenters.
Led by practitioners who have run commercial, network and risk functions inside telecom operators and advised them on transformation, together with the banking and digital-finance faculty who work at the boundary where telecom becomes financial services.
What the bench brings
- Site construction and turn-key network delivery
- Mobile-money and digital financial services integration
- Quality, safety and environmental management systems
- Customer journeys, channels and commercial strategy
- Commercial and corporate banking process design
- SME banking: organisation, products and credit
Where they have practised
Current and former practitioners — people who hold the seat today alongside those who have held it.
Sectors: Banking & financial services · Technology & fintech · Telecom
Regions: Africa · the Middle East · Europe · Asia · the Americas
How they teach
- Case studies from operator programmes
- Group problem-solving on real network and commercial decisions
- Scenario exercises and role plays
- Knowledge checks and quizzes
- A personal action plan
Cohorts are kept small so every exercise is worked on the participants’ own situations — in person or live virtual.
The faculty profile for your cohort is sent with the full agenda and the next dates when you enquire.Request brochure →
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In their words
Knowledge transfer, emphasised throughout
“We worked with BIZENIUS for our Fresh Graduates Programme — they are simply amazing. Knowledge transfer and practical learning were emphasised throughout.”
Kuwait Investment Authority
From the Mandate Record
Mandate № 10 · East Africa
Winning the adoption war after winning the product war
The best digital bank in its market still had queues at the branch. The product was never the problem.
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Teams from these institutions train with BIZENIUS
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Take the brochure with you.
One request — the full agenda, the faculty and the next cohort dates, sent personally by the admissions team.