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Framework Details

Financial innovation is accelerating, but with it comes increased scrutiny, risk complexity, and the need for demonstrable regulatory alignment. As digital banks, payment systems, and API-driven compliance tools scale globally, there is a critical demand for education and certification that is both technically relevant and jurisdictionally accountable.

The GCAF Fintech & RegTech Framework provides rigorous criteria for accrediting programs that train professionals and assess platforms in next-generation finance, compliance-as-a-service, digital identity, open banking, and automation of regulatory processes.

Scope of Application

This framework applies to:

  • Certification and training programs for fintech product teams, policy advisors, or compliance managers
  • Digital banking and e-wallet curriculum developers
  • RegTech vendors providing KYC/AML, transaction monitoring, or regulatory reporting solutions
  • Payment processors, lending platforms, or API-driven credit systems
  • Academic or enterprise programs focused on embedded finance or decentralized compliance tooling
  • Programs teaching alignment with PSD2, DORA, eIDAS, and other regional standards

Alignment & Reference Standards

Certification Categories under This Framework

Accreditation Criteria (Excerpt)

To receive accreditation under this framework, programs must demonstrate:

  • Curriculum alignment with PSD2/3, FATF, ISO 20022, and regional frameworks
  • Full treatment of digital KYC, onboarding friction, and fraud signal response
  • Governance of financial algorithms (credit scoring, lending, limit enforcement)
  • Architecture of embedded finance flows (BNPL, wallet orchestration, P2P rails)
  • Integration of automated audit trails and case management simulation
  • Understanding of RegTech product ecosystem: risk scoring, KYB, sanctions filters
  • Regulatory change monitoring and automated compliance adjustment
  • Hands-on labs or simulations with sandbox APIs or synthetic transaction data
  • Clear instructor experience in financial compliance or fintech architecture
  • Optional coverage of DeFi compliance bridges, if applicable