# Payments, CBDCs and Cashless Economies

> Understand modern payment systems, mobile money, instant payments and central bank digital currencies in Africa.

- **Provider:** Afriskora Training Solutions
- **Category:** Banking, Economics & Monetary Policy
- **Duration:** 3 days
- **Formats:** classroom (cities across Africa), live virtual (Zoom/Teams), in-house for teams
- **Certificate:** Afriskora Certificate of Completion, verifiable online
- **Booking:** request dates and a quote; invoice and EFT payment
- **Web page:** https://afriskora.co.za/courses/banking-economics/payments-cbdcs-and-cashless-economies
- **Request dates:** https://afriskora.co.za/request-training?course=payments-cbdcs-and-cashless-economies

## Overview

Africa leads the world in mobile money, and instant payment schemes, cross-border initiatives such as PAPSS and central bank digital currency pilots are reshaping how money moves. This course explains how payment systems work, the economics and regulation of digital payments, and the policy choices behind CBDCs, so that bankers, regulators and fintech leaders can make informed decisions.

## Who should attend

- Central bank and payments regulators
- Bank payments and digital channel managers
- Fintech founders and product managers
- Policy makers and economists

## Learning outcomes

- Explain how retail, wholesale and cross-border payment systems work
- Assess mobile money and instant payment models
- Evaluate the design choices and risks of CBDCs
- Apply payments regulation, oversight and consumer protection
- Develop a strategy for a cashless, inclusive economy

## Course outline

### Module 1: Payment systems

- Payment system architecture and settlement
- Card, mobile money and instant payments
- Cross-border payments and PAPSS
- Payments interoperability

### Module 2: Digital currencies

- Stablecoins and crypto-assets
- Retail and wholesale CBDC models
- Lessons from African and global CBDC pilots
- Monetary policy and financial-stability effects

### Module 3: Regulation and inclusion

- Oversight principles (PFMI)
- AML, fraud and cyber risk in payments
- Consumer protection and data
- Roadmap for a cashless economy