Digital Payments & Lending

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K L Deemed to be University
KL Business School -- KLVZA
Course Handout
2022-2023, Even Sem
Course Title :Digital Payments and Lending
Course Code :22MB52K2
L-T-P-S Structure : 3-0-0-0
Pre-requisite :
Credits :3
Course Coordinator :Venkata Ramana Sikhakolli
Team of Instructors :
Teaching Associates :
Syllabus :CO1: Introduction to Digital Lending and Payments- Historical perspective on lending and
payments, Evolution of digital lending and payments, Advantages and challenges of digital lending and
payments. Digital Payment Systems-Types of digital payment systems (e-wallets, mobile payments, online
payments), Payment processing and settlement, Security and fraud prevention in digital payments,
Regulatory and legal considerations. Digital Lending Platforms- CO2: Types of digital lending platforms
(peer-to-peer, marketplace, crowd funding), Credit scoring and risk assessment in digital lending, Loan
origination, underwriting, and servicing, Regulatory and legal considerations. Alternative Data and Credit
Scoring-Traditional vs. alternative credit scoring methods, Types of alternative data sources (social media,
mobile data, psychometric data),Advantages and challenges of alternative credit scoring, Ethics and privacy
concerns. CO3: Block chain and Crypto currencies-Overview of block chain technology and its applications,
Crypto currencies and digital assets, Smart contracts and decentralized lending, Regulatory and legal
considerations. Future of Digital Lending and Payments-Trends and emerging technologies in digital
lending and payments, CO4: Impact of artificial intelligence and machine learning, Opportunities and
challenges for financial inclusion, Ethical and social considerations.
Text Books :1. Digital Banking: Enhancing Customer Experience, Generating Value, and Delivering on
Expectations" by Cornelius Littmann and Timo Mandler. 2. The Handbook of Digital Lending: FinTech,
Marketplace Lending, and Digital Crowdfunding" edited by Rafael López de Heredia and Natalia Martín
Cruz.
Reference Books :1. Digital Payments and Platforms: The Mechanics, Opportunities, and Risks" by Susan
Athey, Michael Luca, and Keith Winstein. 2. Blockchain Basics: A Non-Technical Introduction in 25 Steps"
by Daniel Drescher. 3. The Age of Crypto currency: How Bitcoin and Digital Money Are Challenging the
Global Economic Order" by Paul Vigna and Michael Casey.
COURSE OUTCOMES (COs):
Blooms
CO Taxonomy
Course Outcome (CO) PO/PSO
NO Level
(BTL)
CO1 Describe the evolution of digital lending and payments PO1 2
1 of 24 07-11-2023, 17:12
Understand the credit scoring and risk assessment process in

CO2 PO2,PO6 2
digital lending
Applying the basics of blockchain technology, cryptocurrencies,
CO3 PO4 3
and decentralized lending
Apply their knowledge and skills to design and present digital
CO4 PO4 3
lending or payment.
COURSE OUTCOME INDICATORS (COIs)::
Outcome Highest
COI-1 COI-2 COI-3 COI-4
No. BTL
Btl-2
Btl-2
Identify the key
Understand the basic
trends and
concepts and
developments in
CO1 2 terminology
digital payments and
associated with
lending and their
impact on the
lending
financial sector
Btl-2
Btl-3
Identify and assess Btl-3
Btl-2 Gain insight into the
potential security Compare and
Describe the lending different credit
CO2 2 threats and risks contrast the various
process and the scoring techniques
associated with types of digital
different stages and models used in
digital payment lending models
lending
systems
Btl-3
Btl-2 Btl-2 Btl-3
Analyse the
Understand the Identify the impact Apply the role of
challenges and
CO3 3 various types of of financial inclusion crypto currencies in
opportunities in
risks associated with on businesses and digital payments and
digital lending society lending
lending
Btl-2 Btl-2 Btl-3
Btl-3
Explain the key Describe the latest Analyse the role of
Show the role of
concepts and trends and digital payments and
CO4 3 cryptocurrencies in
principles of digital innovations in digital lending in promoting
payments and payments and financial inclusion
lending
e-commerce lending and reducing poverty
PROGRAM OUTCOMES & PROGRAM SPECIFIC OUTCOMES (POs/PSOs)
Po
Program Outcome
No.
Core Business Knowledge : Able to synthesize the knowledge, management skills, and tools acquired
PO1
in the program, which will be helpful to shape the organizations effectively.
Career Planning and Decision Making :Able to excel in their chosen career paths, by learning on how
PO2
to live, adapt and manage business environmental change through decision making.
2 of 24 07-11-2023, 17:12
Critical Thinking and Leadership :Able to reflect upon and explore business and research problems in
PO3 depth, to demonstrate leadership skills and to demonstrate ability to pursue new knowledge necessary
to succeed in dynamic domestic and international business environments.
Manager & Society :Able to emerge as efficient managers equipped with innovation, rationality and
PO4
application oriented decision-making in the context of the ever-changing business environment.
Team Building & Business Communication :Able to communicate effectively and to perform
PO5 different roles efficiently as an individual or in a team in multi-disciplinary streams with
entrepreneurial edge.
Business perspective and Sustainability :Able to gain an understanding of professional, legal,
PO6 financial, marketing, production & operational activities, logistics, ethical, social issues and
responsibilities
Application of Statistical and Analytical tools :Able to gain knowledge of contemporary issues and
PO7 develops an art of using current techniques, skills and necessary analytical tools for managerial
practice.
Graduates will be able to inculcate leadership, managerial and entrepreneurial competencies and
PSO1 strengthen their expertise in implementation of strategies and the management ofÂ complex
situation.
Graduates will develop professional skills that prepare them forÂ immediate employment and for
PSO2
life-long learning in advanced areas of management and related fields.
Lecture Course DELIVERY Plan:

Teaching-
Book No[CH
Sess.No. CO COI Topic Learning EvaluationComponents
No][Page No]
Methods
Digital
Introduction to Digital
1 CO1 COI-1 Payments and PPT,Talk SEM-EXAM1
Payments and Lending
Lending P[120
Digital
Drivers of the digital
transformation
Lending P[34]
Digital Bank
3 CO1 COI-1 Digital Payment Ecosystem PPT,Talk SEM-EXAM1
P[23]
Digital Bank P
4 CO1 COI-2 Types of payment systems PPT,Talk SEM-EXAM1
[238]
Digital Bank P
5 CO1 COI-2 Roles of different stakeholders PPT,Talk SEM-EXAM1
[249]
Digital Bank P
6 CO1 COI-2 Digital Payment Instruments PPT,Talk SEM-EXAM1
[328]
Security and fraud risks Digital Bank P

7 CO1 COI-2 associated with payment PPT,Talk SEM-EXAM1
[328]
3 of 24 07-11-2023, 17:12
Teaching-
Book No[CH
No][Page No]
Methods
instruments
Home
Impact of digital payment Digital Bank
8 CO1 COI-2 PPT,Talk Assignment,SEM-
instruments P[401]
EXAM1
Strategies for integration of FinTech Book

9 CO1 COI-2 PPT,Talk ALM,SEM-EXAM1
digital payment P [2.31]
Types of digital lending Digital

10 CO2 COI-1 PPT,Talk SEM-EXAM1
platforms Banking P[56]
Digital
11 CO2 COI-2 Credit scoring PPT,Talk SEM-EXAM1
Lending
Digital
Credit risk assessment in Payments and
digital lending Platforms
P[245]
Digital
13 CO2 COI-3 Loan origination Payments and PPT,Talk SEM-EXAM1
Platforms
Handbook of
Digital
14 CO2 COI-2 underwriting, and servicing PPT,Talk SEM-EXAM1
Lending
P[525]
Handbook of
Regulatory and legal
15 CO2 COI-3 Digital PPT,Talk SEM-EXAM1
considerations
Lending
Digital
Alternative Data and Credit Payments and
Scoring Platforms
P[45.1]
Digital Home
Traditional vs. alternative
17 CO2 COI-2 Banking PPT,Talk Assignment,SEM-
credit scoring methods
P[42.2] EXAM1
Types of alternative data Digital

sources Banking P[96]
4 of 24 07-11-2023, 17:12
Teaching-
Book No[CH
No][Page No]
Methods
Advantages of alternative Digital

credit scoring Banking P[98]
challenges of alternative credit Digital

scoring Banking P[63]
Block chain and Crypto Age of Crypto

currencies currency P[56]
Age of Crypto
Overview of block chain
22 CO3 COI-1 currency PPT,Talk SEM-EXAM2
technology
P[128]
blockchain technology and its Blockchain

applications Basics P[98]
Blockchain
24 CO3 COI-2 Crypto currencies PPT,Talk SEM-EXAM2
Basics P[411]
Digital
25 CO3 COI-2 digital assets PPT,Talk SEM-EXAM2
Banking P[85]
Crypto
Smart contracts and
26 CO3 COI-2 currency PPT,Talk SEM-EXAM2
decentralized lending
p[296]
Regulatory and legal Blockchain

considerations Basics p[97]
Home
Future of Digital Lending and Blockchain
Payments Basics p[177]
EXAM2
Digital
Trends in digital lending and Payments and
payments Platforms
p[99]
Digital
emerging technologies in Payments and
digital lending and payments Platforms
p[58]
5 of 24 07-11-2023, 17:12
Teaching-
Book No[CH
No][Page No]
Methods
Digital
Introduction to Artificial
31 CO4 COI-1 Banking PPT,Talk SEM-EXAM2
Intelligence
p[178]
Digital
Impact of artificial intelligence
on digital payments
p[174]
Digital
Introduction to Machine
Learning
P[215]
Digital
Importance of financial
inclusion
P[171]
Role of digital payments and Digital

35 CO4 COI-2 lending in promoting financial Payments and PPT,Talk SEM-EXAM2
inclusion Lending P[85]
Challenges and Opportunities

36 CO4 COI-2 Digital Bank PPT,Talk SEM-EXAM2
for financial inclusion
social impact of digital Digital Bank

payments and lending P[121]
Digital
Home
Ethical issues associated with Payments and
digital payments and lending Lending
EXAM2
P[[144]
Digital
Ethical decision-making skills
in digital payments and lending
Lending P[85]
Emerging trends and Digital

challenges in ethical Payments and
considerations for digital Lending
payments and lending p[212]
Lecture Session wise Teaching – Learning Plan
SESSION NUMBER : 1
6 of 24 07-11-2023, 17:12
Session Outcome: 1 Introduction to Digital Payments and Lending
Teaching- Active
Time(min) Topic BTL Learning Learning
Methods Methods
--- NOT
5 Introduction 2 Talk APPLICABLE
---
--- NOT
Definition of and Evolution of digital payments and
40 2 PPT APPLICABLE
lending
---
--- NOT
5 Question and answers 1 Talk APPLICABLE
---
SESSION NUMBER : 2
Session Outcome: 1 Drivers of the digital transformation
Teaching- Active
Methods Methods
--- NOT
5 Recap 1 Talk APPLICABLE
---
--- NOT
financial sector Challenges associated with digital
40 2 Talk APPLICABLE
transformation.
---
--- NOT
5 summary & conclusion 1 Talk APPLICABLE
---
SESSION NUMBER : 3
Session Outcome: 1 Digital Payment Ecosystem
Teaching- Active
Methods Methods
--- NOT
5 Recap / Attendance 1 Talk APPLICABLE
---
--- NOT
Components and functions of the digital payment
40 2 PPT APPLICABLE
ecosystem
---
--- NOT
---
7 of 24 07-11-2023, 17:12
SESSION NUMBER : 4
Session Outcome: 1 Types of payment systems
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 card-based, bank-based, mobile-based 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 5
Session Outcome: 1 Roles of different stakeholders
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
Role of banks, payment processors, merchants,
consumers
---
--- NOT
---
SESSION NUMBER : 6
Session Outcome: 1 Digital Payment Instruments
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 credit cards, debit cards, e-wallets, mobile payments 2 Talk APPLICABLE
---
8 of 24 07-11-2023, 17:12
--- NOT
---
SESSION NUMBER : 7
Session Outcome: 1 Security and fraud risks associated with payment instruments
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
Advantages and disadvantages of different payment
40 2 PPT APPLICABLE
instruments Security and fraud risks
---
--- NOT
---
SESSION NUMBER : 8
Session Outcome: 1 Impact of digital payment instruments
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
digital payment instruments on the economy and
businesses
---
--- NOT
---
SESSION NUMBER : 9
Session Outcome: 1 Strategies for integration of digital payment
Teaching- Active
Methods Methods
--- NOT
---
9 of 24 07-11-2023, 17:12
--- NOT
40 Strategies of digital payment instruments in businesses 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 10
Session Outcome: 2 Types of digital lending platforms
Teaching- Active
Methods Methods
--- NOT
5 Recap / Revision / Attendance 1 Talk APPLICABLE
---
--- NOT
40 peer-to-peer, marketplace, crowd funding 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 11
Session Outcome: 2 Credit scoring
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Credit scoring in digital payments 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 12
Session Outcome: 2 Credit risk assessment in digital lending
Teaching- Active
Methods Methods
10 of 24 07-11-2023, 17:12
--- NOT
---
--- NOT
40 Credit risk assessment in digital lending 3 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 13
Session Outcome: 2 Loan origination
Teaching- Active
Methods Methods
--- NOT
5 Recap / Revision / Attendance 1 Talk APPLICABLE
---
--- NOT
40 Loan origination 4 Talk APPLICABLE
---
--- NOT
---
SESSION NUMBER : 14
Session Outcome: 2 underwriting, and servicing
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 underwriting, and servicing 2 Talk APPLICABLE
---
--- NOT
---
SESSION NUMBER : 15
Session Outcome: 2 Regulatory and legal considerations
Time(min) Topic BTL Teaching- Active
11 of 24 07-11-2023, 17:12
Learning Learning
Methods Methods
--- NOT
5 Recap/ Attendance 1 Talk APPLICABLE
---
--- NOT
40 Regulatory and legal considerations 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 16
Session Outcome: 2 Alternative Data and Credit Scoring
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Alternative Data and Credit Scoring 2 Talk APPLICABLE
---
--- NOT
---
SESSION NUMBER : 17
Session Outcome: 2 Traditional vs. alternative credit scoring methods
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Traditional vs. alternative credit scoring methods 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 18
Session Outcome: 2 Types of alternative data sources
12 of 24 07-11-2023, 17:12
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 social media, mobile data, psychometric data 4 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 19
Session Outcome: 2 Advantages of alternative credit scoring
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Advantages of alternative credit scoring 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 20
Session Outcome: 2 challenges of alternative credit scoring
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 challenges of alternative credit scoring 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 21
13 of 24 07-11-2023, 17:12
Session Outcome: 3 Block chain and Crypto currencies
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Block chain and Crypto currencies 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 22
Session Outcome: 3 Overview of block chain technology
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Overview of block chain technology 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 23
Session Outcome: 3 blockchain technology and its applications
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 blockchain technology and its applications 2 PPT APPLICABLE
---
--- NOT
---
14 of 24 07-11-2023, 17:12
SESSION NUMBER : 24
Session Outcome: 3 Crypto currencies
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Crypto currencies 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 25
Session Outcome: 3 digital assets
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 digital assets 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 26
Session Outcome: 3 Smart contracts and decentralized lending
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Smart contracts and decentralized lending 2 PPT APPLICABLE
---
15 of 24 07-11-2023, 17:12
--- NOT
---
SESSION NUMBER : 27
Session Outcome: 3 Regulatory and legal considerations
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Regulatory and legal considerations 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 28
Session Outcome: 3 Future of Digital Lending and Payments
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Future of Digital Lending and Payments 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 29
Session Outcome: 3 Trends in digital lending and payments
Teaching- Active
Methods Methods
--- NOT
---
16 of 24 07-11-2023, 17:12
--- NOT
40 Trends in digital lending and payments 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 30
Session Outcome: 3 emerging technologies in digital lending and payments
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 emerging technologies in digital lending and payments 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 31
Session Outcome: 4 Introduction to Artificial Intelligence
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Introduction to Artificial Intelligence 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 32
Session Outcome: 4 Impact of artificial intelligence on digital payments
Teaching- Active
Methods Methods
17 of 24 07-11-2023, 17:12
--- NOT
---
--- NOT
40 Impact of artificial intelligence on digital payments 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 33
Session Outcome: 4 Introduction to Machine Learning
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Introduction to Machine Learning 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 34
Session Outcome: 4 importance of financial inclusion
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Definition and importance of financial inclusion 2 Talk APPLICABLE
---
--- NOT
---
SESSION NUMBER : 35
Session Outcome: 4 Role of digital payments and lending in promoting financial inclusion
Time(min) Topic BTL Teaching- Active
18 of 24 07-11-2023, 17:12
Learning Learning
Methods Methods
--- NOT
---
--- NOT
Role of digital payments and lending in promoting
financial inclusion
---
--- NOT
---
SESSION NUMBER : 36
Session Outcome: 4 Challenges and Opportunities for financial inclusion
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 Challenges and Opportunities for financial inclusion 2 PPT APPLICABLE
---
--- NOT
---
SESSION NUMBER : 37
Session Outcome: 4 social impact of digital payments and lending
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
40 social impact of digital payments and lending 2 Talk APPLICABLE
---
--- NOT
---
SESSION NUMBER : 38
Session Outcome: 4 Ethical issues associated with digital payments and lending
19 of 24 07-11-2023, 17:12
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
Ethical issues associated with digital payments and
40 2 PPT APPLICABLE
lending
---
--- NOT
---
SESSION NUMBER : 39
Session Outcome: 4 Ethical decision-making skills in digital payments and lending
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
Ethical decision-making skills in digital payments and
lending
---
--- NOT
5 Concluion 1 Talk APPLICABLE
---
SESSION NUMBER : 40
Session Outcome: 4 Emerging trends and challenges in ethical considerations for digital payments and
lending
Teaching- Active
Methods Methods
--- NOT
---
--- NOT
Emerging trends and challenges in ethical considerations
40 2 PPT APPLICABLE
for digital payments and lending
---
--- NOT
---
20 of 24 07-11-2023, 17:12
Tutorial Course DELIVERY Plan: NO Delivery Plan Exists
Tutorial Session wise Teaching – Learning Plan
No Session Plans Exists
Practical Course DELIVERY Plan: NO Delivery Plan Exists
Practical Session wise Teaching – Learning Plan
Skilling Course DELIVERY Plan: NO Delivery Plan Exists
Skilling Session wise Teaching – Learning Plan
WEEKLY HOMEWORK ASSIGNMENTS/ PROBLEM SETS/OPEN ENDEDED PROBLEM-SOLVING EXERCISES

etc:
Assignment Assignment
Week Topic Details co
Type No
COURSE TIME TABLE:
Hour 1 2 3 4 5 6 7 8 9
Day Component
Theory -- -- -- -- -- -- -- -- --
Tutorial -- -- -- -- -- -- -- -- --
Mon
Lab -- -- -- -- -- -- -- -- --
Skilling -- -- -- -- -- -- -- -- --
Theory --- --- --- --- --- --- --- --- ---
Tutorial --- --- --- --- --- --- --- --- ---
Tue
Lab --- --- --- --- --- --- --- --- ---
Skilling --- --- --- --- --- --- --- --- ---
Theory --- --- --- --- --- --- --- --- ---
Tutorial --- --- --- --- --- --- --- --- ---
Wed
Lab --- --- --- --- --- --- --- --- ---
Skilling --- --- --- --- --- --- --- --- ---
Theory -- -- -- -- -- -- -- -- --
Tutorial -- -- -- -- -- -- -- -- --
Thu
Lab -- -- -- -- -- -- -- -- --
Skilling -- -- -- -- -- -- -- -- --
Fri Theory --- --- --- --- --- --- --- --- ---
21 of 24 07-11-2023, 17:12
Tutorial --- --- --- --- --- --- --- --- ---
Lab --- --- --- --- --- --- --- --- ---
Skilling --- --- --- --- --- --- --- --- ---
Theory -- -- -- -- -- -- -- -- --
Tutorial -- -- -- -- -- -- -- -- --
Sat
Lab -- -- -- -- -- -- -- -- --
Skilling -- -- -- -- -- -- -- -- --
Theory -- -- -- -- -- -- -- -- --
Tutorial -- -- -- -- -- -- -- -- --
Sun
Lab -- -- -- -- -- -- -- -- --
Skilling -- -- -- -- -- -- -- -- --
REMEDIAL CLASSES:
Supplement course handout, which may perhaps include special lectures and discussions that would be
planned, and schedule notified according
SELF-LEARNING:
Assignments to promote self-learning, survey of contents from multiple sources.

S.no Topics CO ALM References/MOOCS
DELIVERY DETAILS OF CONTENT BEYOND SYLLABUS:
Content beyond syllabus covered (if any) should be delivered to all students that would be planned, and
schedule notified accordingly.
Advanced Topics, Additional Reading, Research
S.no CO ALM References/MOOCS
papers and any
EVALUATION PLAN:
Evaluation Evaluation Assessment Duration

Weightage/Marks CO1 CO2 CO3 CO4
Type Component Dates (Hours)
End
Semester Weightage 40 10 10 10 10
End Semester
Summative 180
Exam
Evaluation Max Marks 100 25 25 25 25
Total= 40 %
In Semester Semester in Exam- Weightage 20 10 10
90
Summative II Max Marks 50 25 25
Evaluation Semester in Weightage 20 10 10
Total= 40 % 90
Exam-I Max Marks 50 25 25
22 of 24 07-11-2023, 17:12
In Semester ALM Weightage 10 2.5 2.5 2.5 2.5

30
Formative Max Marks 10 2.5 2.5 2.5 2.5
Evaluation Home Assignment Weightage 10 2.5 2.5 2.5 2.5
Total= 20 % and Textbook 30
Max Marks 10 2.5 2.5 2.5 2.5
ATTENDANCE POLICY:
Every student is expected to be responsible for regularity of his/her attendance in class rooms and
laboratories, to appear in scheduled tests and examinations and fulfill all other tasks assigned to him/her in
every course
In every course, student has to maintain a minimum of 85% attendance to be eligible for appearing in
Semester end examination of the course, for cases of medical issues and other unavoidable circumstances the
students will be condoned if their attendance is between 75% to 85% in every course, subjected to submission
of medical certificates, medical case file and other needful documental proof to the concerned departments
DETENTION POLICY :
In any course, a student has to maintain a minimum of 85% attendance and In-Semester Examinations to be
eligible for appearing to the Semester End Examination, failing to fulfill these conditions will deem such
student to have been detained in that course.
PLAGIARISM POLICY :
Supplement course handout, which may perhaps include special lectures and discussions
COURSE TEAM MEMBERS, CHAMBER CONSULTATION HOURS AND CHAMBER VENUE DETAILS:
Supplement course handout, which may perhaps include special lectures and discussions
Chamber
Delivery Sections Chamber Chamber Signature of
Name of Consultation
Component of of Consultation Consultation Course
Faculty Timings for each
Faculty Faculty Day (s) Room No: faculty:
day
Venkata
L 1-MA - - - -
Sikhakolli
GENERAL INSTRUCTIONS
Students should come prepared for classes and carry the text book(s) or material(s) as prescribed by the
Course Faculty to the class.
NOTICES
Most of the notices are available on the LMS platform.
All notices will be communicated through the institution email.
All notices concerning the course will be displayed on the respective Notice Boards.
23 of 24 07-11-2023, 17:12
Signature of COURSE COORDINATOR
(Venkata Ramana Sikhakolli)
Signature of Department Prof. Incharge Academics & Vetting Team Member
Department Of KLUBS
HEAD OF DEPARTMENT:
Approval from: DEAN-ACADEMICS

(Sign with Office Seal) [object HTMLDivElement]
24 of 24 07-11-2023, 17:12

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COURSE OUTCOMES (COs):

Understand the credit scoring and risk assessment process in

COURSE OUTCOME INDICATORS (COIs)::

PROGRAM OUTCOMES & PROGRAM SPECIFIC OUTCOMES (POs/PSOs)

Lecture Course DELIVERY Plan:

Security and fraud risks Digital Bank P

Strategies for integration of FinTech Book

Types of digital lending Digital

Types of alternative data Digital

Advantages of alternative Digital

challenges of alternative credit Digital

Block chain and Crypto Age of Crypto

blockchain technology and its Blockchain

Regulatory and legal Blockchain

Role of digital payments and Digital

Challenges and Opportunities

social impact of digital Digital Bank

Emerging trends and Digital

Lecture Session wise Teaching – Learning Plan

Session Outcome: 1 Introduction to Digital Payments and Lending

Session Outcome: 1 Drivers of the digital transformation

Session Outcome: 1 Digital Payment Ecosystem

Session Outcome: 1 Types of payment systems

Session Outcome: 1 Roles of different stakeholders

Session Outcome: 1 Digital Payment Instruments

Session Outcome: 1 Impact of digital payment instruments

Session Outcome: 1 Strategies for integration of digital payment

Session Outcome: 2 Types of digital lending platforms

Session Outcome: 2 Credit scoring

Session Outcome: 2 Credit risk assessment in digital lending

Session Outcome: 2 Loan origination

Session Outcome: 2 underwriting, and servicing

Session Outcome: 2 Regulatory and legal considerations

Time(min) Topic BTL Teaching- Active

Session Outcome: 2 Alternative Data and Credit Scoring

Session Outcome: 2 Traditional vs. alternative credit scoring methods

Session Outcome: 2 Types of alternative data sources

Session Outcome: 2 Advantages of alternative credit scoring

Session Outcome: 2 challenges of alternative credit scoring

Session Outcome: 3 Block chain and Crypto currencies

Session Outcome: 3 Overview of block chain technology

Session Outcome: 3 blockchain technology and its applications

Session Outcome: 3 Crypto currencies

Session Outcome: 3 digital assets

Session Outcome: 3 Smart contracts and decentralized lending

Session Outcome: 3 Regulatory and legal considerations

Session Outcome: 3 Future of Digital Lending and Payments

Session Outcome: 3 Trends in digital lending and payments

Session Outcome: 3 emerging technologies in digital lending and payments

Session Outcome: 4 Introduction to Artificial Intelligence

Session Outcome: 4 Impact of artificial intelligence on digital payments

Session Outcome: 4 Introduction to Machine Learning

Session Outcome: 4 importance of financial inclusion

Time(min) Topic BTL Teaching- Active

Session Outcome: 4 Challenges and Opportunities for financial inclusion

Session Outcome: 4 social impact of digital payments and lending

Session Outcome: 4 Ethical decision-making skills in digital payments and lending

Tutorial Course DELIVERY Plan: NO Delivery Plan Exists

Tutorial Session wise Teaching – Learning Plan

No Session Plans Exists

Practical Course DELIVERY Plan: NO Delivery Plan Exists