About Fintech Engineer
Fintech engineering is the craft of building software that moves, stores, and
protects money, where a rounding error or a duplicated request has real
consequences. This course walks through it in the order most engineers actually
learn it. It starts with Fintech Fundamentals (cards, bank
transfers, and how money settles), then Backend Foundations for
Finance so you can build reliable services in the language you choose.
Next comes Databases & Ledger Design: double-entry
bookkeeping, ACID transactions, and idempotency. From there,
Payments Integration covers payment gateways, webhooks, and
refunds, while Banking APIs & Open Banking covers account
aggregation, PSD2, and ISO 20022.
Security & Compliance covers PCI DSS, KYC and AML,
encryption, and tokenization, and Fraud Detection & Risk
covers rules engines, anomaly detection, and chargebacks.
Finally, Distributed Transactions & Messaging covers sagas,
event streaming, and reconciliation, Lending & Trading
Systems covers credit decisioning, order matching, and market data, and
Testing, Observability & Delivery covers audit trails,
monitoring, and CI/CD: the skills that separate a working prototype from a
system a regulator and a customer can both trust.
Content
10 modules
01
Fintech Fundamentals
How money actually moves: card networks, bank transfers, clearing and settlement, and the players behind every transaction.
Card NetworksACH / SEPA / UPISettlement
02
Backend Foundations for Finance
Building dependable services in Java, Python, Go, or Node.js, with precise money handling, clean API design, and version control.
Java / Python / GoDecimal MathREST APIs
03
Databases & Ledger Design
Modelling accounts and balances with double-entry bookkeeping, and keeping them correct with ACID transactions, locking, and idempotency keys.
PostgreSQLDouble-Entry LedgerIdempotency
04
Payments Integration
Accepting and sending payments through gateways, handling webhooks, refunds, payouts, and subscriptions.
StripeAdyenWebhooks
05
Banking APIs & Open Banking
Connecting to bank data and payment initiation through aggregators and open banking standards, and working with financial messaging formats.
PlaidPSD2ISO 20022
06
Security & Compliance
Protecting sensitive financial data with encryption and tokenization, and meeting the rules around card data, customer identity, and money laundering.
PCI DSSKYC / AMLTokenization
07
Fraud Detection & Risk
Spotting suspicious activity with rules engines, velocity checks, and machine-learning scores, and handling disputes and chargebacks.
Rules EnginesAnomaly DetectionChargebacks
08
Distributed Transactions & Messaging
Keeping money consistent across services with sagas, event streams, retries, and reconciliation against bank and processor reports.
KafkaSaga PatternReconciliation
09
Lending & Trading Systems
The engineering behind credit decisioning and loan servicing, plus order books, matching engines, and market data feeds.
Credit ScoringOrder MatchingMarket Data
10
Testing, Observability & Delivery
Proving correctness with tests, keeping an audit trail, monitoring systems in production, and shipping safely with CI/CD and containers.
Audit LoggingPrometheusDocker & CI/CD
What You Can Do After This Course
By the end of the curriculum you'll have worked through 5 hands-on projects and
covered the core of what a junior to mid-level fintech engineering role expects.
Concretely, you'll be able to:
Explain how money moves: what happens between a card tap or bank transfer and the funds settling, and who is involved at each step.
Build a ledger you can trust: design double-entry schemas and use transactions and idempotency so balances are always correct.
Integrate payments and banking APIs: accept payments, process webhooks, issue refunds, and connect to bank data through open banking.
Meet security and compliance requirements: apply encryption and tokenization, and understand PCI DSS, KYC, and AML obligations.
Detect and manage risk: build fraud rules, score suspicious activity, and handle disputes and chargebacks.
Keep distributed systems consistent: use sagas, event streams, and reconciliation jobs so no payment is lost or counted twice.
Ship and operate with confidence: test thoroughly, keep audit trails, monitor in production, and deploy through an automated pipeline.