Digital Finance for All

Certified by DFI

This 4-week course on digital finance provides an introductory perspective on how credit, insurance, and savings products for the informal majority have evolved and how they operate in today’s increasingly digital world.


12 July 2020


*Start Date: 16 July 2020


4 weeks


Online, in our digital classroom


US$250 per person
(Financial Aid Available)

Ready to find out more?


Financial service providers have traditionally offered products that serve the needs of workers and enterprises in the formal economy. However, in many countries, the majority of the population earns income in the informal economy, which limits their ability to access formal financial services. 


Financial institutions that have tried to build products and services to bring this underserved population into the formal financial system have faced difficulties in defining a business model that allows them to scale up and provide majority access. This course offers an introductory perspective on the possibilities that digitization brings to the informal majority; how credit, insurance, and savings products have evolved and the scalability needed to make these products suitable for clients and profitable for providers.


This course has been developed for:

  • Professionals in the financial inclusion space
  • Start-up entrepreneurs looking to enter the space 
  • Executives in financial services who are interested in building financial products for the informal majority
  • International development professionals who wish to gain a holistic understanding of digital payments and emerging digital financial services

By providing a space for discussions, debates, experience, knowledge-sharing, and exchanges of resources and tools, the course enables individuals, teams and leaders to develop a stronger, more unified understanding of digital financial services, making it an excellent complement to organizational training and professional development goals. Organizations with key goals related to digital financial services and financial inclusion are strongly encouraged to enrol.


Following the completion of the course, students will:

  • Have an integrated 360-degree view of digital payments and be familiar with a standard set of concepts and vocabulary
  • Be able to illustrate how credit, insurance, and savings products have evolved
  • Compare business models of established and emerging players
  • Analyze the impact of legal and regulatory conditions 
  • Discuss some of the trends developing within the financial inclusion space today.
  • Confidently participate in conversations, exchange ideas 
  • Apply these learnings to your work through developing innovative products needed to overcome the constraints of the space while ultimately achieving profitability.

Digital finance refers to financial services that are available through digital channels, and includes payments, credit, savings, transfers and insurance.

Fintech, or financial technology, refers to any digital technological tools or business models used to support the delivery of financial services.

Financial inclusion is a key part of DFI’s agenda and refers to the goal of ensuring that all people, especially marginalised groups, have access to the financial tools they need.

A virtual classroom is a learning environment that only exists through a digital platform and that allows students to participate regardless of their geographic location. All DFI’s courses are delivered in a virtual classroom.

Digital Frontiers Institute (DFI) is a digital education provider designed to prepare professionals for the challenges and opportunities they will encounter in a rapidly changing economy.


  • WEEK 1

    The “Informal Majority”

  • WEEK 2


  • WEEK 3


  • WEEK 4



Xavier Martín-Palomas is a Stream Lead and Experience Director at DFI. He has more than 15 years of experience in the area of development finance and financial inclusion in Latin America, Asia, Africa, and the Middle East and holds undergraduate degrees in Economics and Industrial Psychology and an M.A. from the Johns Hopkins University School of Advanced International Studies.

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Financial Aid

DFI’s mission is to equip a new generation of professionals with the information, skills, and vision they need to guide society towards inclusive digital financial solutions. DFI understand that affordability may stand in the way of your progress as a Digital Finance Professional. We strive to source, manage and administer various student funding opportunities to make tuition more affordable for you.  for deserving students according to sponsor specific requirements. Our goal is to ensure that no student is left behind and have designed affordable payment terms as well as scholarship funds for eligible students.

Use this information to find the best financial aid that supports your objectives. At any stage please contact us at

Option 1: Payment Plans that make your tuition more affordable

Course fees can be made over payments at an agreed date.

Multi-year Programs

Certified Digital Finance Practitioner

  • Year 1: $1335/$445 in 3 installments (works out to $112 p.m.)
  • Year 2: $1335/$445 in 3 installments
  • Year 3: $1335/$445 in 3 installments
Foundation Courses

Foundation courses include the Certificate in Digital Money, and Leading Digital Money Markets.

  • Payment 1: $500
  • Payment 2: $500
  • Payment 3: $500
Specialization Courses

Specialization courses included short courses such as Digital Agriculture and Digital Identity.

  • Payment 1: $125
  • Payment 2: $125

Option 2: Can we help in getting your company to pay or at least contribute to your tuition?

DFI can assist in opening a conversation with your employer to support your tuition. We can cultivate further interest with them to participate on our programs – bringing multiple employees on will result in corporate discounts and thus lower tuition for you.

Request your corporate proposal by contacting us at

Option 3: Referral Program

If your colleagues, friends or family join the course we can open a referral seat for you, which is 100% subsidized by Digital Frontiers Institute. This includes assisting us to create impactful corporate alliances.

Foundation Courses

Eight successful referrals will result in your foundation course being fully subsidized.

Specialization Courses

Four successful referrals will result in your specialization course being fully subsidized.

Option 4: Scholarships

DFI offers partial scholarships to qualifying candidates. Our scholarship funders favor scholarship candidates that contribute to tuition themselves. Ideally, Students should contribute at least half of the tuition fee, the higher your contribution the more likely you are to be considered. Tuition can also be paid in manageable installments. Please see below criteria for scholarships.

  •         I am an active member of the digital financial services industry

Scholarships are adjudicated quarterly and are weighted based on the strength of your application. You will be asked to answer the following questions in your application:

  • Please provide a brief overview of experience.
  • To what extent does your organization contribute to financial inclusion.
  • How will your attendance on this course benefit your organization, your initiative, your country?
  • Describe your current role and responsibilities.
  • Why do you think you should receive financial aid?
  • I can contribute $ to my course.

You can apply for a scholarship on the course registration page, where applicable. Not all courses have scholarship programs.