Fintech Development

Primary 1 – 3 (Ages 5–8): Money Awareness & Digital Thinking

Learning Goals

• Understand basic money concepts

• Introduce digital tools used in daily transactions

• Build responsible financial habits

Core Topics

• What is money?

• Needs vs wants

• Saving and spending

• Introduction to digital money (cards, phones)

• Simple safety rules (don’t share PINs)

Practical Activities

• Play money and digital wallet simulations

• Role-play buying and selling

• Saving goals charts

Tools

• Educational finance games

• Tablet-based money apps (offline simulations)

Assessment

• Simple quizzes

• Show-and-tell activities

Primary 4 – 6 (Ages 9–11): Introduction to Digital Finance & Online Transactions

Learning Goals

• Understand how money moves digitally

• Introduce online banking concepts

• Encourage honesty and responsibility

Core Topics

• Banks and their roles

• Introduction to online banking

• Digital payments (USSD, cards, wallets)

• Basic budgeting

• Online safety and fraud awareness

Practical Activities

• Simulated online banking exercises

• Simple budgeting projects

• Digital payment role-play

Tools

• Spreadsheet basics

• Mock banking apps

Mini Projects

• Weekly allowance budget

• Simple digital shop simulation

JSS 1 – 3 (Ages 12–14): Foundations of FinTech & Digital Banking

Learning Goals

• Understand modern financial systems

• Learn how technology powers banking

• Build early entrepreneurial thinking

Core Topics

• Evolution of banking

• Online and mobile banking systems

• Digital payments & transfers

• Introduction to databases

• Cybersecurity basics in finance

• Ethics and financial responsibility

Practical Activities

• Build a simple digital wallet model

• Transaction record systems

• Fraud scenario discussions

Tools

• Basic Python / Scratch

• Spreadsheet software

• Mock APIs

Projects

• Student savings app (concept)

• School payment system model

SSS 1 – 3 (Ages 15–17): Applied FinTech, Payments & Security

Learning Goals

• Design and understand FinTech platforms

• Learn secure online banking systems

• Prepare for tertiary finance and tech careers

Core Topics

• Digital banking architecture

• Payment gateways & APIs

• Mobile money & USSD systems

• Introduction to blockchain & cryptocurrencies

• Fraud detection basics

• Regulatory compliance (KYC, AML)

• FinTech ethics & consumer protection

Practical Activities

• Build a simple online banking prototype

• Simulate payment processing

• Case studies of Nigerian FinTechs

Tools

• Python / JavaScript

• APIs (sandbox environments)

• Database systems (MySQL intro)

Capstone Projects

• Peer-to-peer payment app

• School fees payment platform

Undergraduate (BSc / BEng / BTech / BBA)

Learning Goals

• Develop professional FinTech and digital banking skills

• Integrate finance, technology, and regulation

• Build scalable financial products

Core Courses

• Principles of Finance & Economics

• Programming for FinTech

• Database Systems

• Digital Banking Systems

• Payment Systems Architecture

• Blockchain Technology

• Data Analytics for Finance

• Cybersecurity in Financial Systems

• FinTech Law, Regulation & Compliance

• Product Design & UX for Finance

Practical Components

• FinTech labs

• Industry internships

• Startup incubator projects

Tools & Platforms

• Python, JavaScript

• APIs & SDKs

• Cloud platforms

• SQL / NoSQL databases

Final Year Project

• Deployable FinTech solution or research project

PGD / MSc / PhD in FinTech & Digital Banking

Learning Goals

• Produce FinTech leaders, researchers, and innovators

• Advance secure, inclusive financial systems

Advanced Core Topics

• Advanced Digital Banking Architecture

• AI in Finance & Credit Scoring

• Fraud Analytics & Risk Modeling

• Blockchain & Decentralized Finance (DeFi)

• Open Banking & API Ecosystems

• Financial Cybersecurity & Privacy

• FinTech Governance & Policy

• Research Methods & Innovation Management

Specializations

• Digital & Online Banking

• Payments & Switching Systems

• Financial Inclusion & Mobile Money

• RegTech & Compliance Technology

• FinTech Entrepreneurship

Research & Output

• Thesis / dissertation

• Publishable research papers

• FinTech startups & patents

• Policy advisory reports

CROSS-CUTTING MODULES (ALL LEVELS)

• Ethics & responsible finance

• Digital security & privacy

• Entrepreneurship & innovation

• Financial inclusion & SDGs

• Local and global FinTech case studies

CERTIFICATION & CAREER PATHWAYS

• Digital Finance Literacy Certificate (Primary–JSS)

• FinTech Associate Certificate (SSS)

• FinTech Developer / Analyst (University)

• FinTech Researcher / Policy Expert (Postgraduate)