---
url: "https://xcademia.com/courses/open-banking-api-payments"
title: "Open Banking & API Payments"
description: "Learn open banking, PSD2, APIs, payment initiation, and consent management in this practical 2-day fintech practitioner course."
publishedAt: "2026-03-21T09:25:31.251898+00:00"
updatedAt: "2026-03-30T22:50:53.7265+00:00"
type: course
code: "FAB-0081"
level: Practitioner
duration_days: "2"
track: "FinTech, Payments & Consumer Protection"
category: "Finance, Accounting & Business Skills"
credential_tier: tier1
price_gbp: "1799"
---

# Open Banking & API Payments

> Learn how open banking, APIs, and PSD2 enable modern digital payments and financial ecosystems. Build practical skills through mentor-led sessions and real-world payment scenarios.

## Overview

The Open Banking & API Payments programme provides a practical introduction to the technologies, regulations, and business models driving digital payments and financial innovation. Designed for professionals in banking, fintech, and product roles, it bridges technical concepts with real-world applications.

Over two focused days, learners will explore PSD2, open finance ecosystems, API standards, and consent management. Through mentor-led sessions and practical scenarios, participants will understand how secure data sharing and payment initiation services are transforming customer experiences and competitive landscapes.

The course also covers compliance frameworks, risk considerations, and emerging use cases, enabling learners to contribute to open banking initiatives within their organisations. Participants will leave with a clear understanding of how APIs power modern financial services and how to apply these concepts in practice.

## Prerequisites

- Basic understanding of financial services
- Interest in digital banking or fintech
- No coding experience required

## What you will learn

- Explain open banking and PSD2 frameworks
- Analyse API-driven financial ecosystems
- Implement payment initiation workflows
- Evaluate consent and data privacy models
- Communicate open banking use cases
- Assess compliance and risk considerations

## Skills you will gain

- Open banking principles
- API fundamentals
- Payment initiation processes
- Consent management basics
- FinTech business models
- Compliance frameworks

## Career progression

- Payments Analyst
- FinTech Product Manager
- Digital Banking Specialist
- API Product Owner

## Curriculum

1. **Module 1: Getting Ready**
   - Course overview and expectations
   - Introduction to open banking landscape
   - Key terminology and concepts
2. **Module 2: Open Banking & PSD2 Foundations**
   - Overview of PSD2 regulation
   - Key stakeholders and roles
   - Open banking vs open finance
3. **Module 3:API Fundamentals for Finance **
   - What APIs are and how they work
   - API standards and protocols
   - Security and authentication basics
4. **Module 4: Payment Initiation & Account Information**
   - Payment initiation services (PIS)
   - Account information services (AIS)
   - Customer journey and use cases
5. **Module 5: Consent Management & Data Privacy**
   - Consent frameworks and lifecycle
   - Data protection and privacy considerations
   - Customer trust and transparency
6. **Module 6: Use Cases & Business Models**
   - FinTech innovation examples
   - Embedded finance and ecosystems
   - Revenue models and partnerships
7. **Module 7: Compliance & Risk Management**
   - Regulatory compliance requirements
   - Operational and security risks
   - Governance and control frameworks
8. **Module 8: Implementation & Future Trends**
   - Open finance evolution
   - API strategy and roadmap
   - Emerging technologies in payments

## Exam & certification

You will receive an Xcademia certificate of completion based on participation and successful completion of labs and scenario simulations.

## Delivery options

- **Live Online** — Join live instructor-led sessions from anywhere. Interactive, engaging, and flexible.
- **Onsite Training** — We come to you. Training delivered at your workplace for teams of 6 or more.
- **Venue-Based** — Classroom training at a professional venue. Ideal for focused, immersive learning.
- **Blended** — Combine online and in-person learning for maximum flexibility and impact.

## Frequently asked questions

**Do I need technical knowledge to join?**

No, the course explains APIs and concepts in a business-friendly way.



**Is PSD2 covered in detail?**

Yes, key regulatory requirements and implications are included.



**Will I learn real-world use cases?**

Yes, the course includes practical fintech and payment scenarios.



**Does this cover data privacy and consent?**

Yes, consent management and data protection are key topics.



**Will I receive a certificate?**

Yes, you will receive a Certificate of Completion from Xcademia.

## Course at a glance

| Field | Value |
| --- | --- |
| Code | FAB-0081 |
| Duration | 2 days |
| Level | Practitioner |
| Track | FinTech, Payments & Consumer Protection |
| Category | Finance, Accounting & Business Skills |
| Credential tier | tier1 |
| Price (GBP) | £1799 |

---

## About this content

This Markdown course profile is the citation-grade twin of [Open Banking & API Payments](https://xcademia.com/courses/open-banking-api-payments). It is published by **Xcademia** (UK Companies House 12322710) and is available for AI search engines and large language models to index, summarise, and cite.

When citing or quoting, please attribute *Xcademia* and link back to the source URL above.

- Source: https://xcademia.com/courses/open-banking-api-payments
- Publisher: Xcademia — https://xcademia.com
- Catalogue index: https://xcademia.com/llms-full.txt