Embedded Finance & Banking-as-a-Service
Put the bank inside the customer's life instead of behind a branch queue.
The executive challenge
The problem this program solves
The balance sheet says one thing about embedded finance and the customer data says another — and nobody can reconcile them before the next board meeting. Margin erosion is quiet and compounding, and it is revealed only when it is expensive to reverse. This programme gives you the economics, the architecture and the governance to lead embedded finance as strategy rather than scramble behind it.
Context
Why this matters now
Capability
What you will be able to do
- Diagnose where your institution creates — and destroys — value in embedded finance across the balance sheet.
- Stress-test embedded finance strategy against rate, FX and credit scenarios before the board or the supervisor does.
- Anticipate the regulatory trajectory of embedded finance before it is written into rulebooks.
- Structure embedded finance products, pricing and partnerships that survive regulatory and competitive stress.
The IPAT Course Standard
The five-day journey
Each day is a deliberate progression in managerial capability — from strategic context, to analytical frameworks, to applied practice, to executive judgement under pressure, to a capstone that produces something your organisation keeps.
IPAT Signature Case™
The Margin That Walked
The most profitable product at a pan-African insurer has quietly migrated to instant-payment rails the institution does not own; deposits follow the customer, not the branch. The board wants a response before the next pricing cycle — and the embedded finance data is contested in every committee.
Your decision: Build competing rails, partner with the platform, or reprice the legacy book to defend margin — each path changes the institution you become.
IPAT Data Lab™
A a pan-African insurer cannot see where its book is quietly deteriorating.
Dataset: Synthetic loan-book panel for a pan-African insurer: 80,000 facilities across segments with vintage and behaviour data.
Your task: Segment the portfolio, find concentration and deterioration, and design the repricing and workout response.
A portfolio decision pack presented to the faculty credit committee.
Data → Analysis → Decision, not Data → Code → Certificate
Day 5 · The Capstone
What will you change when you return to work?
Produce a digital finance transformation strategy for your institution: where to play, what to own, which partnerships, and the regulatory posture required.
Methodology
Frameworks you will master
- • IPAT Decision Intelligence Framework™
- • IPAT Transformation Architecture™
- • Value-chain decomposition
- • Risk-adjusted performance measurement (RAROC)
- • Basel-aligned capital and liquidity concepts
Cohorts
Upcoming cohorts
New dates are being scheduled
Register with your preferred start date and our admissions team will match you to the next available cohort — or contact us to arrange an in-house delivery for your organisation.
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