MSc

Dual Award · Conferred with IU International University of Applied Sciences

MSc Financial Technology & Digital Banking (Dual Award)

Dual European Master of Science (2 Diplomas) — Conferred jointly with FollowLap University (FollowLap) & IU International University (Germany)

Joint Awarding Institution2 Diplomas

IU International University of Applied Sciences (Germany)

Credit Allocation60% FollowLap / 40% IU International

Online only

18 months180 creditsEnglish

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MSc Financial Technology & Digital Banking (Dual Award)

Overview

A cutting-edge postgraduate program integrating algorithmic trading, decentralized ledger technology, regulatory compliance (MiCA/PSD2), and open banking infrastructure. Students earn 2 independent accredited diplomas with a 60% / 40% international credit split.

How you can study

Digital only

Study online

100% tuition-free online

Every programme can be completed fully online with zero tuition fees — study from anywhere in the world.

✦ Tuition: £0 / $0
✦ Course exams from $0 — 95% sponsorship rate
✦ Learn from anywhere · Live online seminars

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What You Will Learn

Two Master of Science degrees with full European ECTS accreditation
Smart contract audit labs and automated quantitative portfolio development
Mentorship from Frankfurt and London fintech industry practitioners
Tuition-free online model with flexible pay-per-exam milestones

Curriculum

Stage 1 — Core Host Modules (60 Credits)

Code	Course	Credits
MSC-D101	Financial statements in use Financial statements in use (MSC-D101) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Financial statements in use as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence. Statements: income, position, and cash — Financial statements in use Recognition, ratios, and what the numbers cannot show — Financial statements in use Cash flows, discount rates, and sensitivity — Financial statements in use Market, credit, and operating risk — Financial statements in use Controls, exceptions, and reporting — Financial statements in use An investment or operating recommendation — Financial statements in use	20
MSC-D102	Valuation and capital Valuation and capital (MSC-D102) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Valuation and capital as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence. Statements: income, position, and cash — Valuation and capital Recognition, ratios, and what the numbers cannot show — Valuation and capital Cash flows, discount rates, and sensitivity — Valuation and capital Market, credit, and operating risk — Valuation and capital Controls, exceptions, and reporting — Valuation and capital An investment or operating recommendation — Valuation and capital	20
MSC-D103	Risk and controls Risk and controls (MSC-D103) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Risk and controls as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence. Statements: income, position, and cash — Risk and controls Recognition, ratios, and what the numbers cannot show — Risk and controls Cash flows, discount rates, and sensitivity — Risk and controls Market, credit, and operating risk — Risk and controls Controls, exceptions, and reporting — Risk and controls An investment or operating recommendation — Risk and controls	20

Code

Course

Credits

MSC-D101

Financial statements in use

Financial statements in use (MSC-D101) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Financial statements in use as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence.

Statements: income, position, and cash — Financial statements in use
Recognition, ratios, and what the numbers cannot show — Financial statements in use
Cash flows, discount rates, and sensitivity — Financial statements in use
Market, credit, and operating risk — Financial statements in use
Controls, exceptions, and reporting — Financial statements in use
An investment or operating recommendation — Financial statements in use

MSC-D102

Valuation and capital

Valuation and capital (MSC-D102) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Valuation and capital as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence.

Statements: income, position, and cash — Valuation and capital
Recognition, ratios, and what the numbers cannot show — Valuation and capital
Cash flows, discount rates, and sensitivity — Valuation and capital
Market, credit, and operating risk — Valuation and capital
Controls, exceptions, and reporting — Valuation and capital
An investment or operating recommendation — Valuation and capital

MSC-D103

Risk and controls

Risk and controls (MSC-D103) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Risk and controls as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence.

Statements: income, position, and cash — Risk and controls
Recognition, ratios, and what the numbers cannot show — Risk and controls
Cash flows, discount rates, and sensitivity — Risk and controls
Market, credit, and operating risk — Risk and controls
Controls, exceptions, and reporting — Risk and controls
An investment or operating recommendation — Risk and controls

Stage 2 — Partner Moderated Advanced Specialisation (60 Credits)

Code	Course	Credits
MSC-D201	Finance project Finance project (MSC-D201) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Finance project as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence. Statements: income, position, and cash — Finance project Recognition, ratios, and what the numbers cannot show — Finance project Cash flows, discount rates, and sensitivity — Finance project Market, credit, and operating risk — Finance project Controls, exceptions, and reporting — Finance project An investment or operating recommendation — Finance project	20
MSC-D202	Financial statements in use (MSC-D202) Financial statements in use (MSC-D202) (MSC-D202) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Financial statements in use (MSC-D202) as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence. Statements: income, position, and cash — Financial statements in use (MSC-D202) Recognition, ratios, and what the numbers cannot show — Financial statements in use (MSC-D202) Cash flows, discount rates, and sensitivity — Financial statements in use (MSC-D202) Market, credit, and operating risk — Financial statements in use (MSC-D202) Controls, exceptions, and reporting — Financial statements in use (MSC-D202) An investment or operating recommendation — Financial statements in use (MSC-D202)	20
MSC-D203	Valuation and capital (MSC-D203) Valuation and capital (MSC-D203) (MSC-D203) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Valuation and capital (MSC-D203) as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence. Statements: income, position, and cash — Valuation and capital (MSC-D203) Recognition, ratios, and what the numbers cannot show — Valuation and capital (MSC-D203) Cash flows, discount rates, and sensitivity — Valuation and capital (MSC-D203) Market, credit, and operating risk — Valuation and capital (MSC-D203) Controls, exceptions, and reporting — Valuation and capital (MSC-D203) An investment or operating recommendation — Valuation and capital (MSC-D203)	20

Code

Course

Credits

MSC-D201

Finance project

Finance project (MSC-D201) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Finance project as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence.

Statements: income, position, and cash — Finance project
Recognition, ratios, and what the numbers cannot show — Finance project
Cash flows, discount rates, and sensitivity — Finance project
Market, credit, and operating risk — Finance project
Controls, exceptions, and reporting — Finance project
An investment or operating recommendation — Finance project

MSC-D202

Financial statements in use (MSC-D202)

Financial statements in use (MSC-D202) (MSC-D202) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Financial statements in use (MSC-D202) as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence.

Statements: income, position, and cash — Financial statements in use (MSC-D202)
Recognition, ratios, and what the numbers cannot show — Financial statements in use (MSC-D202)
Cash flows, discount rates, and sensitivity — Financial statements in use (MSC-D202)
Market, credit, and operating risk — Financial statements in use (MSC-D202)
Controls, exceptions, and reporting — Financial statements in use (MSC-D202)
An investment or operating recommendation — Financial statements in use (MSC-D202)

MSC-D203

Valuation and capital (MSC-D203)

Valuation and capital (MSC-D203) (MSC-D203) is a 20-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 200 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Valuation and capital (MSC-D203) as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence.

Statements: income, position, and cash — Valuation and capital (MSC-D203)
Recognition, ratios, and what the numbers cannot show — Valuation and capital (MSC-D203)
Cash flows, discount rates, and sensitivity — Valuation and capital (MSC-D203)
Market, credit, and operating risk — Valuation and capital (MSC-D203)
Controls, exceptions, and reporting — Valuation and capital (MSC-D203)
An investment or operating recommendation — Valuation and capital (MSC-D203)

Stage 3 — Joint Master's Dissertation & Capstone Defense (60 Credits)

Code	Course	Credits
MSC-D301	Risk and controls (MSC-D301) Risk and controls (MSC-D301) (MSC-D301) is a 60-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 600 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Risk and controls (MSC-D301) as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence. Statements: income, position, and cash — Risk and controls (MSC-D301) Recognition, ratios, and what the numbers cannot show — Risk and controls (MSC-D301) Cash flows, discount rates, and sensitivity — Risk and controls (MSC-D301) Market, credit, and operating risk — Risk and controls (MSC-D301) Controls, exceptions, and reporting — Risk and controls (MSC-D301) An investment or operating recommendation — Risk and controls (MSC-D301)	60

Code

Course

Credits

MSC-D301

Risk and controls (MSC-D301)

Risk and controls (MSC-D301) (MSC-D301) is a 60-credit course on MSc Financial Technology & Digital Banking (Dual Award), with 600 notional learning hours. By the end, students can read a set of figures, build a small case, and state which assumption moves the result, using Risk and controls (MSC-D301) as the working context rather than a generic management example. The course is taught in three movements. First, students establish the terms and the decision the course is about. Second, they apply the method to a case, dataset, text, or design and compare it with a weaker alternative. Third, they revise the work after feedback and state what the conclusion cannot support. Preparation uses financial statements, a recognition note, and a risk report. Seminar time is for the decision, not for reading the materials aloud. Assessment is a recommendation that separates the decision, the numbers, and the risk. A pass requires a clear method, evidence a marker can check, and an explicit limit. Credit is not awarded for summary alone. This course does not confer an accounting, audit, or financial-services licence.

Statements: income, position, and cash — Risk and controls (MSC-D301)
Recognition, ratios, and what the numbers cannot show — Risk and controls (MSC-D301)
Cash flows, discount rates, and sensitivity — Risk and controls (MSC-D301)
Market, credit, and operating risk — Risk and controls (MSC-D301)
Controls, exceptions, and reporting — Risk and controls (MSC-D301)
An investment or operating recommendation — Risk and controls (MSC-D301)

Career Paths

Quantitative Fintech Strategist
Blockchain Solutions Architect
Head of Digital Banking Products
Regulatory Compliance Lead

Programme Highlights

2 Accredited Diplomas
60% / 40% International Credit Split
Awarded by: FollowLap University (FollowLap) & IU International University (Germany)
Delivery: 100% Online

Assessment

Modules are assessed through a published mix of coursework, applied projects, and examinations. Exam windows are announced in advance so students in other time zones are not forced into overnight sittings. Alternative arrangements are available where documented.

Admission requirements

Academic entry

Bachelor's degree from an accredited institution (minimum 2:2 or GPA 2.5/4.0)

English language

English proficiency: IELTS 5.5, TOEFL 46, or equivalent (waived for prior English-medium study)

Documents

Statement of Purpose (500 words minimum) outlining your goals and fit for the programme
Two academic or professional references with contact details
CV or résumé documenting relevant education and professional experience

Programme questions

How long is the MSc Financial Technology & Digital Banking (Dual Award)?

The published duration is 18 months. Teaching language: English. Actual time-to-complete depends on mode and any recognised prior learning.

Can I study this from my country?

This is a fully online award. You study from your country. No student visa and no campus relocation are required.

What does it cost?

Degree tuition for this award is published as £0 / tuition-free on the online pathway. Examination or administrative fees may apply at checkout — never an annual tuition invoice. Check the Fees page for any extras.

What are the entry requirements?

Requirements are grouped on this page (academic, English, documents). Equivalent qualifications are considered. English may be waived after prior English-medium study.

How is the programme assessed?

Assessment is typically a mix of coursework, projects, and examinations. Doctoral awards include a thesis or dissertation and an oral examination. Details sit in the programme specification and module outlines.

Will this award be recognised where I live?

Recognition of the award for local employment, professional licence, or ministry attestation is decided by your employer or regulator. FollowLap University publishes verification pages for certificates. We do not claim automatic equivalence in every country.

How do I apply?

Start an application on this website. Progress is saved from the first step. Admissions: admissions@followlap.com.

Recognised & Accredited

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