FINTECH
PAYTECH
About Module VII
Module VII explores PayTech and the rapidly changing digital payments environment. Learners examine neobanks, challenger banks, modern POS systems, mobile wallets, contactless payments, B2B payment integration, fraud prevention, cross-border payments and foreign-exchange strategy. The module also explains PSD2, instant payments, PSD3, PSR and related regulation, helping SMEs plan practical payment upgrades.
What You Will Learn
After the end of Module I, you will be able to:
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Knowledge 6
Define and distinguish PayTech and analyse its value proposition for SME operational efficiency.
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Knowledge 6
Evaluate banking partners – assessing the functional and regulatory differences between Neobanks and Challenger Banks.
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Knowledge 6
Navigate the regulatory frameworks – PSD2, IPR, PSD3/PSR.
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Skill 6
Select and implement appropriate digital payment architectures (POS, Gateways, Wallets) and integrate them with ERP/accounting systems.
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Responsibility & Autonomy 6
Construct a phased PayTech Adoption Roadmap (Capstone), managing compliance risks and change-management protocols.
🎯 What you will be able to do after this module
When you finish Module VII, you should be able to:
- understand the main digital payment methods – POS, mobile wallets, neobanks and more
- choose payment solutions that fit a specific SME and its customers
- identify the key risks in digital payments and link them to business decisions
- read the essential EU rules that apply to payments (IPR, PSD3/PSR, PCI DSS)
- connect payments to accounting/ERP and build a phased PayTech adoption roadmap
📖 A story that runs through this module
To keep the ideas concrete, one small business appears in every topic:
Aegean Threads – a small Athens homeware & textiles business (a shop, a growing online store, and first exports to the EU, UK and US).
Watch how its payment strategy grows step by step – from choosing a bank and a POS, to wallets, B2B and ERP, then cross-border FX, security and compliance – so that PayTech reads as one continuous journey rather than a set of separate decisions.
🧭 How to use this module
Lessons are tagged by depth so you can pace yourself:
- Start with [Intermediate] lessons for the essentials (payment methods, POS, wallets, basic security).
- [Advanced] lessons go deeper (PCI DSS, FX strategy, PSD3/PSR, ERP integration) – return to them once the basics are solid.
Look out for the recurring boxes:
- 🧭 In this topic – where you are and what you will gain
- 💡 Key idea in plain terms – jargon made simple
- ⭐ Key takeaway – the one thing to remember
- 🛠️ Apply it – a reflection prompt, a first step for an SME, a risk-to-decision question and a checklist
Contents
- 9 Learning Topics
- 30 lessons
Learning Topic 1: Introduction to Cybersecurity and the SME Threat Landscape
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🧭 In this topic
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LESSON 1.1 – Defining PayTech: A Standardised Framework [Intermediate]
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LESSON 1.2 – Digital Payment Adoption Trends and Benefits of PayTech Adoption for SMEs [Intermediate]
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LESSON 1.3 – Barriers to Adoption: The TOE Framework [Intermediate]
Learning Topic 2: Common Threats – Phishing, Ransomware, Social Engineering
Learning Topic 3: Cyber Fraud and End-User Security Behaviour
Learning Topic 4: Digital Identity & Biometric Authentication Explained
Learning Topic 5: Data Protection and Cybersecurity – Key Principles for SMEs
Learning Topic 6: Cybersecurity Governance, Roles & Responsibilities
Learning Topic 7: Incident Response and Recovery Strategies
Learning Topic 8: Tools and Controls – Antivirus, MFA, Network Monitoring
Learning Topic 9: Capstone – Cyber Threat Simulation & Action Plan Design
References and Final Assessment
Download MODULE VII
Disclaimer. Material for Educational Purpose Only
The content on this platform is provided solely for educational and informational purposes and does not constitute financial, investment, legal, or tax advice. We do not recommend or endorse any specific cryptocurrency, financial product, or investment strategy. Cryptocurrencies are volatile and high-risk assets, and any investment decision is made at the user’s own responsibility. Users should seek advice from a qualified financial advisor before making financial decisions.
