MNLU Mumbai’s Fintech Policy & Governance Program 2026: Your Blueprint for Digital Compliance & Career Growth

📖 24 min read · 4,722 words

Imagine you’re running a small textile business in Surat. A few years ago, cash was king. Now, your customers pay with UPI, your suppliers offer digital credit, and you’re even exploring online marketplaces. You’re thrilled with the convenience, but sometimes, a nagging doubt creeps in: Am I doing all this right? What if I miss a new rule? What about my customers’ data? You’re not alone. As India’s digital economy surges forward, the rules of the game are evolving just as quickly. Understanding these rules isn’t just for lawyers anymore; it’s essential for anyone who wants to thrive, innovate, and stay out of trouble in the digital age.

Key takeaways

• India’s fintech landscape is booming, but so is the complexity of its regulations.
• The MNLU Mumbai program offers a concise, expert-led understanding of critical fintech policies.
• It’s designed for a broad audience: students, job-seekers, small business owners, and professionals.
• Gain practical knowledge in digital payments, lending, data protection, and AI in finance.
• This knowledge helps you confidently navigate compliance and unlock new career or business opportunities.

Why this matters right now

India’s digital transformation isn’t just a buzzword; it’s a daily reality for millions. The Unified Payments Interface (UPI) alone has become a cornerstone of our financial lives. In July 2026, UPI processed an astounding 2,365.8 crore transactions, with a total value of ₹29.87 lakh crore. Looking at the bigger picture, annual UPI transaction volume soared from 1.78 crore in FY 2016-17 to over 24,162 crore in FY 2025-26, marking an almost 13,000-fold increase. The transaction value also jumped from ₹0.07 lakh crore to approximately ₹314 lakh crore in the same period, a more than 4,000-fold rise. This isn’t just about convenience; it’s about a fundamental shift in how we transact, borrow, and manage money.

This explosive growth has propelled India’s fintech market into a global powerhouse. Projections indicate that the Indian fintech market, valued at around US$148.1 billion in 2026, is expected to reach a staggering US$867.6 billion by 2033, growing at a compound annual growth rate (CAGR) of 28.7%. This expansion is fueled by increasing financial inclusion, rising smartphone penetration, and government initiatives promoting digital services. Payment solutions, driven by UPI, are leading the charge, capturing over 39% market share in 2026, valued at more than US$57.8 billion. Digital lending is also seeing significant growth, responding to the demand for quick, accessible credit for individuals and MSMEs.

But with great digital power comes great regulatory responsibility. The government and the Reserve Bank of India (RBI) are actively shaping the regulatory landscape to protect consumers and ensure stability. Two major developments highlight why understanding fintech policy is crucial right now:

1. The Digital Personal Data Protection (DPDP) Act, 2023: This landmark legislation, which received Presidential assent in August 2023, with rules notified in November 2025, is a for anyone handling personal data digitally. Its full operational obligations are rolling out through 2026–2027, and non-compliance can lead to hefty penalties, potentially reaching up to INR 250 crore for major data violations. This means every business, big or small, that collects or processes customer data needs to understand its obligations. Even government ministries and state administrations are now drawing up time-bound implementation plans for the DPDP Act.

2. RBI’s Digital Lending Directions, 2025: Effective from May 8, 2025, these comprehensive guidelines aim to bring greater transparency, accountability, and customer protection to the rapidly evolving digital lending ecosystem. They mandate significant changes, such as prohibiting digital lending apps from accessing mobile phone resources like contact lists and call logs, and requiring direct loan disbursement into the borrower’s bank account. If you’re a small business owner considering digital lending for your operations or offering credit to your customers, knowing these rules is non-negotiable.

This evolving regulatory environment has created a significant demand for professionals who understand the intersection of finance, technology, and law. There’s been a surge in demand for roles in financial crime prevention, compliance, and regulatory functions. As of September 2025, the demand for FinCrime professionals alone grew by 30–35% over the previous year. Cities like Bengaluru, Mumbai, and Hyderabad are leading the recruitment drive, and even Tier-II cities are seeing a rise in openings. For fintech startups, compliance has moved from an afterthought to an “existence function”.

For you, whether you’re a student eyeing a career in the booming fintech sector, a job-seeker looking to specialize, or a small business owner navigating digital operations, this means opportunity. Understanding fintech policy isn’t just about avoiding penalties; it’s about operating confidently, building trust with your customers, and even identifying new avenues for innovation within the regulatory framework. For small business owners, this knowledge is your ticket to moving beyond simply ‘Digitally Transacting’ (Tier 3) to becoming truly ‘Digitally Operating’ (Tier 4) with , proactive compliance.

The MNLU Mumbai’s Fintech Policy & Governance Online Certificate Programme, running from September 11–13, 2026, is designed to equip you with this crucial understanding. Organized by the Centre for Information Communication and Technology Law (CICTL), MNLU Mumbai, in collaboration with IQAC and The Dialogue, it covers essential topics like digital payments, digital lending, AI in finance, digital assets, Digital Public Infrastructure (DPI), and global approaches to fintech governance. It’s your chance to get smart about the rules shaping India’s digital future and turn regulatory complexity into a competitive advantage.

The Cascade: Who Gains, Who Faces Challenges, and When

The rapid evolution of India’s fintech regulatory landscape isn’t just a series of isolated policy changes; it’s a powerful cascade, creating ripples that will reshape careers, business operations, and the very fabric of our digital economy. Understanding this flow isn’t about memorizing rules; it’s about anticipating opportunities and mitigating risks. This program from MNLU Mumbai isn’t just academic; it’s your blueprint for navigating these shifts.

The Immediate Ripple: Navigating New Rules (2025-2026)

The most immediate impact of the DPDP Act, 2023, and RBI’s Digital Lending Directions, 2025, is a scramble for compliance. This isn’t a slow burn; it’s a rapid adjustment period where those who understand the nuances gain a significant edge.

For Small Business Owners: From Transaction to Operation

If you’re a small business owner, you’ve likely already embraced digital payments (Tier 3: Digitally Transacting). But the new regulations demand more than just accepting UPI; they require you to think about how you handle customer data and how you engage with digital lending platforms.

• Data Protection as a Business Imperative: The DPDP Act means you can’t just collect customer data haphazardly. You need explicit consent, clear data retention policies, and security measures. For instance, if your e-commerce site stores customer addresses or payment preferences, you’re now a ‘Data Fiduciary’ with specific obligations. Ignoring this isn’t an option; the penalties are steep, potentially up to INR 250 crore for major data breaches. This isn’t just about avoiding fines; it’s about building customer trust. In a competitive market, a business known for safeguarding data will attract and retain more customers.

• Smart Digital Lending: Many MSMEs rely on digital lending for quick capital. The RBI’s directions, effective May 8, 2025, mean you need to be discerning about the platforms you use. Loans must be disbursed directly to your bank account, and apps can’t snoop into your phone’s contacts or call logs. This protects you from predatory practices and ensures transparency. For you, this means safer access to credit, but it also means you need to verify that your chosen lending partner is compliant. Understanding these rules helps you identify legitimate lenders and avoid those that might put your business at risk. This knowledge is crucial for moving from simply transacting digitally to Digitally Operating (Tier 4) with confidence and security.

For Job-Seekers & Students: A New Skill Frontier

The immediate demand is for individuals who can bridge the gap between technology, finance, and law. This isn’t just for legal graduates.

• Compliance Officers: Every fintech, bank, and even larger MSMEs dealing with significant customer data, needs people who understand the DPDP Act and RBI guidelines. These roles involve drafting policies, conducting audits, and ensuring operational adherence.

• FinCrime Analysts: With digital transactions booming, so are digital frauds. The demand for professionals in financial crime prevention, including anti-money laundering (AML) and know-your-customer (KYC) processes, has surged. As of September 2025, the demand for FinCrime professionals alone grew by 30–35% over the previous year. This isn’t just about catching criminals; it’s about designing systems that prevent fraud in the first place.

• Data Privacy Specialists: These roles focus specifically on implementing the DPDP Act, ensuring data mapping, consent management, and breach response protocols are in place.

For you, a student or job-seeker, this means specialized knowledge translates directly into employability. Generic finance or IT skills are no longer enough; the market is hungry for those who understand the regulatory overlay.

For Fintech Innovators: Compliance as a Catalyst

While regulations might seem like a burden, for genuine innovators, they can be a catalyst.

• Level Playing Field: Stricter rules weed out fly-by-night operators, creating a more credible and trustworthy ecosystem for legitimate fintechs. This means less competition from unscrupulous players and a better reputation for the industry as a whole.

• Innovation within Frameworks: The challenge of compliance often sparks new solutions. For example, how can consent be managed efficiently under the DPDP Act? This opens doors for new RegTech (Regulatory Technology) solutions that help businesses comply. Fintechs that embed compliance from day one will be more resilient and attractive to investors.

The Mid-Term Current: Reshaping the Digital Landscape (2027-2029)

As the initial compliance phase settles, the mid-term will see a more mature and structured digital economy emerge, driven by the foundational changes of 2025-2026.

Enhanced Trust and Market Maturity

With clearer rules and better enforcement, consumers will feel more secure engaging with digital services.

• Increased Digital Adoption: Greater trust will lead to even wider adoption of digital payments, lending, and other financial services, especially in semi-urban and rural areas. This expands the market for everyone.

• Responsible Innovation: Fintechs will increasingly focus on building products that are not just innovative but also inherently compliant and customer-centric. This means sustainable business models rather than growth at any cost.

• Stronger Digital Public Infrastructure (DPI): India’s DPI, like UPI and Aadhaar, will become even more with integrated privacy and security layers, fostering a more secure environment for all digital interactions.

The Rise of Specialized Roles

The demand for compliance and regulatory expertise will deepen and diversify.

• Regulatory Affairs Managers: Professionals who can interpret evolving regulations and advise businesses on strategic compliance.

• Cybersecurity & Data Governance Experts: Beyond basic data privacy, there will be a need for specialists in securing digital infrastructure and managing data lifecycles in line with legal requirements.

• Ethical AI in Finance: As AI becomes more prevalent in lending, fraud detection, and investment, there will be a growing need for experts who understand the ethical and regulatory implications of AI models, ensuring fairness and transparency.

For you, this means opportunities for career progression and specialization. The foundational knowledge gained now will allow you to move into more senior and strategic roles as the industry matures.

MSME Growth and Digital Inclusion

Small businesses will be key beneficiaries of a more regulated and trustworthy digital ecosystem.

• Access to Formal Credit: With clearer digital lending guidelines, more MSMEs, especially those in Tier-2 and Tier-3 cities, will gain access to formal, transparent credit. Schemes like Pradhan Mantri Mudra Yojana (PMMY), which offers loans up to Rs 10 lakh under Shishu (up to Rs 50,000), Kishore (up to Rs 5 lakh), and Tarun (up to Rs 10 lakh) categories, will see increased digital integration and safer disbursement. There’s even a ‘Tarun Plus’ category for loans between Rs 10-20 lakh, added in October 2024, further expanding options for growing businesses. Understanding the regulatory framework ensures you can confidently apply for and manage these loans.

• Expanded Market Reach: A trusted digital environment encourages more consumers to transact online, opening up new markets for MSMEs beyond their local geographies. This helps you move firmly into Digitally Operating (Tier 4), where digital tools are integral to your entire business process, not just transactions.

• Operational Efficiency: Compliant digital tools for everything from accounting to supply chain management will become more sophisticated and accessible, further streamlining operations.

The Long-Term Tide: A Compliant and Competitive India (2030 Onwards)

Looking further ahead, India’s proactive approach to fintech regulation is setting the stage for global leadership and sustained economic growth.

Global Leadership in Digital Governance

India’s experience with large-scale digital transformation, coupled with regulatory frameworks, positions it as a model for other developing nations.

• Exporting Expertise: Indian RegTech solutions and compliance frameworks could be adopted globally, creating new export opportunities.

• Attracting Global Investment: A stable, well-regulated fintech market will attract more foreign direct investment, fostering innovation and job creation.

Sustainable Innovation and Economic Growth

The long-term outcome is a digital economy that balances innovation with protection, leading to equitable growth.

• Inclusive Finance: Digital services will reach the last mile, bringing more citizens into the formal financial system, reducing poverty, and boosting economic participation.

• Data-Driven Economy: With clear data governance, India can harness the power of data responsibly for economic development, while protecting individual privacy.

For you, this means being part of a future-proofed economy. The skills you acquire now will remain relevant and valuable, allowing you to contribute to India’s digital journey for decades to come.

Here’s a snapshot of the cascade:

| Stakeholder Group | Immediate Impact (2025-2026)
The MNLU Mumbai’s Fintech Policy & Governance Online Certificate Programme is your chance to get smart about the rules shaping India’s digital future and turn regulatory complexity into a competitive advantage.

| Stakeholder Group | Gains
The MNLU Mumbai’s Fintech Policy & Governance Online Certificate Programme is designed to equip you with this crucial understanding. It’s your chance to get smart about the rules shaping India’s digital future and turn regulatory complexity into a competitive advantage.

| Stakeholder Group | Faces Challenges (Short-Term)

What this means at each tier

| Tier | Who you are | What changes | Do this | | 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Here’s how you can start making sense of India’s fintech landscape and position yourself for growth, whether you’re eyeing a new career or strengthening your business.

Your Action Plan for Digital Compliance & Growth

This program is a big step, but you don’t have to wait to start building your understanding and capabilities. Here’s a 5-step action plan you can kick off this week to get a head start on digital compliance and career growth:

1. Identify your digital touchpoints and data flows. Take a close look at every point where your business interacts digitally – from your website and payment gateways to customer communication channels and internal data storage. For students, think about the digital services you use daily and how they handle your data. Understanding these touchpoints is the first step to recognizing where regulations like data privacy (e.g., DPDP Act 2023) or payment security might apply to you or a future employer.

2. Research key regulatory bodies and their mandates. India’s fintech space is governed by multiple authorities. Spend some time on the websites of the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), and the Ministry of Electronics and Information Technology (MeitY). Look for their recent circulars, guidelines, and press releases related to digital payments, data protection, and financial services. This will give you a foundational understanding of who sets the rules and why.

3. Review your current digital practices against basic compliance principles. If you’re a business owner, check if your website has a clear privacy policy and terms of service. Are your payment processes secure and transparent? For job seekers, consider how companies you admire handle these aspects. Even a quick self-assessment can highlight areas where you might need to learn more or make improvements, moving you closer to a ‘Digitally Operating’ (Tier 4) standard.

4. Network with professionals in fintech or compliance. LinkedIn is a great place to start. Look for individuals working in compliance, legal, or product roles within fintech companies, banks, or regulatory advisory firms. You don’t need to ask for a job; simply express your interest in the field and ask if they’d be open to a brief informational chat about their work and the challenges they face. Their insights can be invaluable.

5. Explore free online resources and introductory courses. Many platforms offer free webinars, articles, or short courses on topics like data privacy, cybersecurity basics, or an introduction to financial regulations. These can provide a solid primer before you commit to a more intensive program like MNLU Mumbai’s. Look for content from reputable sources like NASSCOM, industry associations, or even the websites of major financial institutions.

Government Schemes to Support Your Digital Journey

Understanding fintech policy isn’t just about avoiding trouble; it’s also about leveraging opportunities. The Indian government has several schemes that can directly or indirectly support your journey into the digital economy, whether you’re a student, job-seeker, or small business owner looking to digitize and comply.

The Pradhan Mantri Mudra Yojana (PMMY) is a cornerstone scheme for small businesses, offering loans for income-generating activities in manufacturing, processing, trading, and service sectors, including those looking to digitize their operations. This scheme is particularly relevant for small business owners aiming to move from being merely ‘Digitally Transacting’ (Tier 3) to ‘Digitally Operating’ (Tier 4) by investing in compliant digital infrastructure, software, or training. PMMY loans are categorized into three tiers: ‘Shishu’ covers loans up to Rs 50,000, ideal for starting a micro-enterprise or making small digital upgrades; ‘Kishore’ provides loans from Rs 50,001 to Rs 5 lakh, suitable for expanding digital capabilities or adopting new technologies; and ‘Tarun’ offers loans from Rs 5,00,001 to Rs 10 lakh, for significant business expansion and deeper digital integration. An upcoming ‘Tarun Plus’ category, expected by October 2024, will extend this support further, offering loans between Rs 10 lakh and Rs 20 lakh to help established small businesses scale up their digital and operational frameworks. You can find more details and apply through the official portal: mudra.org.in.

For those with innovative ideas, especially in the fintech space, the Startup India Seed Fund Scheme (SISFS) provides financial assistance to eligible startups for proof of concept, prototype development, product trials, market entry, and commercialization. This scheme is crucial for students or aspiring entrepreneurs looking to launch a fintech venture that inherently requires a strong understanding of policy and governance from day one. The scheme aims to provide seed funding to startups through eligible incubators across India, helping them bridge the gap between idea and market readiness. It’s a fantastic opportunity to get initial capital to develop a compliant and innovative digital product or service. You can explore the guidelines and apply via the Startup India portal: www.startupindia.gov.in.

The Skill India Mission, particularly through programs like the Pradhan Mantri Kaushal Vikas Yojana (PMKVY), focuses on providing skill development training to Indian youth, making them employable in various sectors. While not exclusively for fintech, many courses under PMKVY now include digital literacy, cybersecurity, and IT skills, which are foundational for anyone entering the fintech or compliance domain. For students and job-seekers, these programs can offer a stepping stone, equipping you with essential digital competencies before or alongside specialized education like the MNLU program. The goal is to create a skilled workforce that can meet the demands of India’s growing digital economy. Information on various training programs and centers can be found on the official Skill India portal: www.skillindia.gov.in.

The Stand-Up India Scheme promotes entrepreneurship among women and Scheduled Castes/Scheduled Tribes (SC/ST) by facilitating bank loans between Rs 10 lakh and Rs 1 crore for setting up a greenfield enterprise. Many of these enterprises today are digital-first or heavily rely on digital operations, making an understanding of fintech policy critical for their sustainable growth. This scheme encourages these entrepreneurs to venture into new businesses, including those in the digital and fintech sectors, providing them with the necessary capital to establish and scale their operations while adhering to regulatory requirements. The scheme also focuses on handholding support, which can include guidance on compliance. Details are available on the official Stand-Up India portal: www.standupmitra.in.

The search results provide excellent details about the MNLU Mumbai Fintech Policy & Governance Online Certificate Programme.

Here’s what I’ve gathered:

• Program Name: Fintech Policy & Governance Certificate Programme

• Organizers: Centre for Information Communication and Technology Law (CICTL), MNLU Mumbai, in collaboration with IQAC and in association with The Dialogue

• Dates: 11—13 September 2026

• Duration: 3 Days (intensive online program)

• Structure: 12 Modules across 3 thematic areas

• Topics Covered: Digital Payments, Digital Lending, AI in finance, Digital Assets, Digital Public Infrastructure (DPI), and Global approaches to Fintech Governance. It also covers India’s Digital Personal Data Protection Act, 2023, and the proposed Digital Competition Bill.

• Target Audience: Students, researchers, lawyers, policymakers, and professionals working in financial services and technology, and other stakeholders.

• Learning Methodology: Expert-led sessions, regulatory reading exercises, policy simulations, and case studies.

• Certificate: Awarded by CICTL, MNLU Mumbai and The Dialogue.

• Registration: Official links are provided in the search results (shorturl.at/FFJc5 for registration, shorturl.at/MLUKZ for payment).

Now I can craft the “Watch Out For” and “FAQs” sections.

Watch Out For:

1. Don’t expect a job guarantee. (The program is 3 days, it’s a certificate, not a degree. It enhances skills but doesn’t guarantee placement).

2. This isn’t a shortcut for deep legal expertise. (It provides a structured understanding of policy and regulation, but a 3-day certificate won’t make you a seasoned legal expert. It’s a foundation).

3. Beware of unofficial program information or ‘fast-track’ promises. (Stick to official MNLU Mumbai or SCC Online sources for registration and details).

FAQs:

1. Q: I’m a small business owner. How will this program help me move from ‘Digitally Transacting’ (Tier 3) to ‘Digitally Operating’ (Tier 4)?

   • A: The program will equip you with a structured understanding of regulations around digital payments, lending, and data, which are crucial for building compliant digital operations. Knowing these rules helps you innovate confidently within the legal framework, reducing risks as you integrate more complex digital processes into your business.

2. Q: I’m a student/job-seeker without a legal background. Is this program still relevant for me?

   • A: Absolutely. The program is designed for a broad audience, including students and professionals from various backgrounds, not just lawyers. It focuses on the policy and governance aspects of fintech, which are essential for anyone looking to enter or advance in the digital finance sector.

3. Q: What kind of roles can I realistically aim for after completing this program?

   • A: This program can open doors to specialized roles in fintech compliance, regulatory affairs, policy analysis, or even product development where understanding legal frameworks is key. It’s particularly valuable for those aspiring to work with fintech startups, financial institutions, or government bodies involved in digital economy regulation.

4. Q: How much time will I need to dedicate to this online program?

   • A: This is an intensive online certificate program spanning three days, from September 11-13, 2026. You’ll need to dedicate full days during this period to participate in expert-led sessions, regulatory reading exercises, policy simulations, and case studies.

5. Q: Will the program cover new or upcoming regulations, or just existing ones?

   • A: The program is designed to cover key developments in Fintech regulation and governance, including India’s Digital Personal Data Protection Act, 2023, and the proposed Digital Competition Bill. It aims to equip participants to critically examine choices and consequences of technological transformation in finance, implying a forward-looking approach.

6. Q: Are there any prerequisites for applying to the MNLU Mumbai Fintech Policy & Governance program?

   • A: The official announcements indicate the program is for students, researchers, lawyers, policymakers, and professionals. While specific academic prerequisites aren’t explicitly stated for this certificate program, a keen interest in the intersection of finance, technology, law, and public policy is expected.

Word count check: The previous section was quite long. I need to keep this section concise to stay within the overall ~900 words for the entire article. I will aim for around 200-300 words for this section.

Let’s refine the language to match the GDI voice. The program is a “Certificate Programme” and “3 Days”. This is important to manage expectations.

Re-checking the word count for the previous section: The provided text is approximately 450 words. My target for this section is around 200-300 words. This should keep the total article section within the ~900 words target.

Let’s write the section.### Watch Out For

Don’t expect a job guarantee from a three-day certificate. While this program will significantly boost your understanding and make you more attractive for specialized roles, it’s a foundational certificate, not a degree or a direct placement service. Your career growth will still depend on how you apply this knowledge, network, and continue to learn in a rapidly evolving field.

This isn’t a shortcut to becoming a seasoned legal expert. The program offers a structured, intensive fintech policy and governance, providing you with critical insights and analytical tools. However, a three-day online certificate program, even from a prestigious institution like MNLU Mumbai, won’t replace years of legal education or practical experience in law. It’s designed to give you a strong policy lens, not to make you a practicing lawyer overnight.

Beware of unofficial information or ‘fast-track’ promises. With the growing interest in fintech, you might encounter misleading information or offers related to such programs. Always verify program details, registration links, and payment portals directly through official MNLU Mumbai channels or reputable legal news sources like SCC Online to avoid scams.

FAQs

Q: I’m a small business owner. How will this program help me move from ‘Digitally Transacting’ (Tier 3) to ‘Digitally Operating’ (Tier 4)? A: This program will equip you with a structured understanding of the regulatory landscape surrounding digital payments, lending, AI in finance, and data protection, which are all crucial for building compliant digital operations. Knowing these rules helps you innovate confidently within the legal framework, reducing risks as you integrate more complex digital processes and move towards a ‘Digitally Operating’ model.

Q: I’m a student/job-seeker without a legal background. Is this program still relevant for me? A: Absolutely. The program is designed for a broad audience, including students, researchers, and professionals from various backgrounds, not just those with a legal degree. It focuses on the policy and governance aspects of fintech, which are essential for anyone looking to enter or advance in India’s rapidly growing digital finance sector.

Q: What kind of roles can I realistically aim for after completing this program? A: This program can open doors to specialized roles in fintech compliance, regulatory affairs, policy analysis, or even product development where understanding legal frameworks is key. It’s particularly valuable for those aspiring to work with fintech startups, financial institutions, or government bodies involved in digital economy regulation and policy formulation.

Q: How much time will I need to dedicate to this online program? A: This is an intensive online certificate program spanning three days, specifically from September 11-13, 2026. You’ll need to dedicate full days during this period to participate in expert-led sessions, regulatory reading exercises, policy simulations, and case studies.

Q: Will the program cover new or upcoming regulations, or just existing ones? A: The program is designed to cover key developments in Fintech regulation and governance, including India’s Digital Personal Data Protection Act, 2023, and the proposed Digital Competition Bill. It aims to equip participants to critically examine choices and consequences of technological transformation in finance, implying a forward-looking approach to regulatory changes.

Q: Are there any prerequisites for applying to the MNLU Mumbai Fintech Policy & Governance program? A: The official announcements indicate the program is for students, researchers, lawyers, policymakers, and professionals working in financial services and technology. While specific academic prerequisites aren’t explicitly stated for this certificate program, a keen interest in the intersection of finance, technology, law, and public policy is expected.