آموزش مسترکلاس بانکداری دیجیتال - سیستم‌های بانکی Core و مدیریت کارت - آخرین آپدیت

سرفصل ها و درس ها

Banking – Introduction

• Course Introduction

• Instructor Introduction

• The Banking IT Disaster – Why IT Professionals & Consultants Must...

Foundations of Banking & The Financial System

• What Is a Bank? Why Banking Matters in the Economy

• How Banks Drive Economic Growth – From Savers to Borrowers

• Brief History of Banking

• How Do Banks Generate Revenue? (Interest, Fees, and Float)

• Fractional Reserve Banking

• How Money Moves Without Banks – The Role of Financial Intermediaries

• Borrowers vs. Investors – How Financial Needs Shape the Economy

• How Banks Connect with Customers, Businesses & Financial Markets

• Financial Stability – The Role of Central Banks and Bank Resilience

• Quick Check

Types of Banking

• Types of Financial Institutions & Their Role in Banking

• Retail vs. Commercial vs. Investment Banking – An Overview

• What Is Retail Banking? Products, Channels & Customer Experience

• Money Markets vs. Capital Markets – What You Need to Know

• Quick Check

Regulations, Risk & Compliance

• Banking Regulations Explained – How They Impact Financial Services

• KYC, AML & Risk Management – How Banks Fight Fraud

• Quick Check

Core Banking Systems & Security

• What Is a Core Banking System?

• Core Banking Systems Explained – How Banks Manage Transactions

• Banking IT Compliance & Security – Safeguarding Financial Systems

• Quick Check

Deposits, Lending & Trade Finance

• How Deposit & Savings Accounts Work – A Behind-the-Scenes Look

• Loans & Credit – How Banks Assess & Lend Money - Credit Score

• Trade Finance & Forex – How Banks Handle Global Transactions

• Quick Check

Payments Foundations (Payments Concepts, SWIFT)

• How Payment Systems Work – SWIFT, SEPA, RTGS, ACH, & UPI Explained

• SWIFT – The Global Messaging Network - Introduction

• SWIFT Payments Flow Basics

• What is a Correspondent Bank?

• What is an Intermediary Bank?

• Nostro, Vostro & Loro Accounts - Holding Foreign Balances

• Clearing vs. Settlement - What Happens Between Sending & Receiving?

• Retail vs. Wholesale Payments - How They Differ

• Domestic vs. Cross-Border Payments - Settlement Complexities

• Quick Check

Digital Banking

• What Is Digital Banking?

• Why Digital Banking Matters

• Are Bank Branches Dying?

• Core Components of Digital Banking Architecture

• Mobile Banking Features

• Web Banking

• Chatbots in Banking

• Wearables & Voice Banking

• Digital Customer Onboarding

• Digital Sales & Account Opening

• Digital Lending Journeys

• Security in Digital Banking

• APIs & Open Banking

• Cloud in Digital Banking

• Big Data & Analytics in Digital Banking

• Marketplaces & Embedded Finance

• Digital Payments & Fintech – How Technology is Disrupting Banking

• The Future of Banking – AI, Blockchain & Digital Currencies Explained

• Quick Check

Hands-On Practice – Banking Tools in Excel

• Download: Loan Amortization Excel Tool (With Step-by-Step Guide & Formulas)

Card Management – Introduction

• Card Management – Introduction

Card Management - Introduction to Card Management

• What Is Card Management?

• Types of Cards: Credit, Debit, Prepaid, Virtual, Commercial Corporate/Purchasing

• Key Players: Issuer, Acquirer, Merchant, Cardholder, Card Networks

• Push vs Pull Payments Explained

• Quick Check

Card Management - Card Lifecycle – From Issuance to Closure

• Card Lifecycle Overview

• Card Issuance Process: Application → Underwriting → Card Production → Delivery

• Activation and Usage Process

• Renewal, Replacement and Closure

• Card Blocking, Hotlisting, Lost & Stolen Handling

• Process Flow Diagram – Card Lifecycle Steps

• Quick Check

Card Management - Account Management, Billing & Limits

• Credit Limit, Available Limit, Cash Limit Explained

• Billing Cycle and Statement Generation

• Payment Due Date, Minimum Due, Total Due, Statement Balance

• Grace Period Concept and Interest-Free Period

• Revolver vs Transactor (Interest Calculation Basics)

• Payment Allocation / Payment Hierarchy (Interest → Fees → Principal)

• Example Scenarios: Missed Payments, Delinquency Handling

• Quick Check

Card Management - Delinquency Management & DPD (Days Past Due)

• What Happens When Payments Are Missed?

• DPD Concept and Aging Buckets (30, 60, 90+ Days)

• Collections Process Overview (Functional Understanding)

• Impact on Card Status and Customer Experience

• Quick Check

Bonus Section

• Bonus Lecture: Your Next Step in Banking