Description
Course Name: Certificate in Digital Banking & Payments
Course Id: CDBP/Q0001.
Eligibility: 10+2 (Higher Secondary) or equivalent.
Objective: The Certificate in Digital Banking & Payments develops foundational knowledge and practical skills required to understand digital banking services and electronic payment operations. The course covers mobile and internet banking, payment channels, transaction processing, customer assistance, reconciliation, fraud awareness and information security. It prepares learners to support digital service adoption, maintain transaction records, identify payment issues and guide customers through appropriate resolution procedures.
Duration: Three Months.
How to Enroll and Get Certified in Your Chosen Course:
Step 1: Choose the course you wish to get certified in.
Step 2: Click on the “Enroll Now” button.
Step 3: Proceed with the enrollment process.
Step 4: Enter your billing details and continue to course fee payment.
Step 5: You will be redirected to the payment gateway. Pay the course and examination fee using one of the following methods:
Debit/Credit Card, Wallet, Paytm, Net Banking, UPI, or Google Pay.
Step 6: After successful payment, you will receive your study material login ID and password via email within 48 hours of fee payment.
Step 7: Once you complete the course, take the online examination.
Step 8: Upon passing the examination, you will receive:
- A soft copy (scanned) of your certificate via email within 7 days of the examination.
- A hard copy (original with official seal and signature) sent to your address within 45 days of the declaration of the result.
Step 9: After certification, you will be offered job assistance aligned with your area of interest.
Online Examination Detail:
Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.
| Marking System: | ||||||
| S.No. | No. of Questions | Marks Each Question | Total Marks | |||
| 1 | 10 | 5 | 50 | |||
| 2 | 5 | 4 | 20 | |||
| 3 | 5 | 3 | 15 | |||
| 4 | 5 | 2 | 10 | |||
| 5 | 5 | 1 | 5 | |||
| 30 | 100 | |||||
| How Students will be Graded: | ||||||
| S.No. | Marks | Grade | ||||
| 1 | 91-100 | O (Outstanding) | ||||
| 2 | 81-90 | A+ (Excellent) | ||||
| 3 | 71-80 | A (Very Good) | ||||
| 4 | 61-70 | B (Good) | ||||
| 5 | 51-60 | C (Average) | ||||
| 6 | 40-50 | P (Pass) | ||||
| 7 | 0-40 | F (Fail) | ||||
Key Benefits of Certification- Earning a professional certification not only validates your skills but also enhances your employability. Here are the major benefits you gain:
Practical, Job-Ready Skills – Our certifications are designed to equip you with real-world, hands-on skills that match current industry demands — helping you become employment-ready from day one.
Lifetime Validity – Your certification is valid for a lifetime — no renewals or expirations. It serves as a permanent proof of your skills and training.
Lifetime Certificate Verification – Employers and institutions can verify your certification anytime through a secure and reliable verification system — adding credibility to your qualifications.
Industry-Aligned Certification –All certifications are developed in consultation with industry experts to ensure that what you learn is current, relevant, and aligned with market needs.
Preferred by Employers – Candidates from ISO-certified institutes are often prioritized by recruiters due to their exposure to standardized, high-quality training.
Free Job Assistance Based on Your Career Interests – Receive personalized job assistance and career guidance in your preferred domain, helping you land the right role faster.
Syllabus
Module 1: Digital Banking Foundations and Service Channels: Banking Functions and Account Types, Digital Banking Ecosystem, Core Banking System Awareness, Internet Banking Services, Mobile Banking Applications, ATM and Self-Service Banking, Customer Onboarding Workflows, Customer Identification and KYC Awareness, Digital Financial Inclusion, Roles and Responsibilities of Banking Support Personnel.
Module 2: Electronic Payment Systems and Instruments: UPI Payment Fundamentals, IMPS Transfer Concepts, NEFT Transfer Concepts, RTGS Transfer Concepts, Debit and Credit Card Payments, Prepaid Payment Instruments and Wallets, QR Code Payment Acceptance, Point-of-Sale Transactions, Recurring Payments and Mandate Awareness, Payment Channel Selection for Customer Needs.
Module 3: Payment Processing and Merchant Operations: Participants in a Payment Transaction, Payment Initiation and Authentication, Authorization and Transaction Routing, Clearing and Settlement Concepts, Merchant Onboarding Documentation, Payment Gateway and Aggregator Awareness, Transaction Status and Reference Numbers, Refund and Reversal Workflows, Chargeback and Dispute Awareness, Merchant Payment Reporting.
Module 4: Transaction Records and Reconciliation: Bank Statements and Payment Reports, Transaction Data Entry and Validation, Matching Customer and Merchant Records, Settlement Report Review, Identifying Duplicate and Missing Entries, Pending and Failed Transaction Tracking, Reconciliation Exception Registers, Fee and Deduction Verification, Escalation and Follow-Up Documentation, Daily Payment Operations Reporting.
Module 5: Digital Payment Security and Fraud Awareness: Protection of PINs and Authentication Credentials, Phishing and Impersonation Awareness, Social Engineering and Payment Scams, Device and Application Security, Safe Handling of Customer Information, Suspicious Transaction Indicators, Account Access and Role Permissions, Fraud Reporting and Escalation Workflows, Incident Evidence and Record Preservation, Business Continuity and Service Outage Awareness.
Module 6: Customer Support and Digital Service Quality: Explaining Digital Banking Services, Assisting Customers with Service Activation, Accessible and Multilingual Customer Communication, Payment Complaint Registration, Transaction Issue Classification, Coordination with Banks and Payment Providers, Customer Consent and Privacy Awareness, Complaint Tracking and Resolution Updates, Digital Service Performance Monitoring, Integrated Digital Banking and Payments Case Study.
Job Opportunities after Certificate in Digital Banking & Payments
Graduates can explore customer service and operational support opportunities in banking, fintech and payment-service organizations, subject to employer qualification requirements.
Top Roles: Digital Banking Support Assistant, Payment Operations Assistant, Banking Customer Service Associate, Merchant Support Executive, Transaction Processing Assistant and Reconciliation Assistant.
Key Skills: Digital banking awareness, payment processing, transaction tracking, reconciliation, fraud recognition, customer communication and operational reporting.
Salary Range (India):
- Entry-level: ₹2.5–6 LPA
- Mid-level: ₹6–12 LPA
- Senior-level: ₹12–25+ LPA
Scope: Skills apply across banks, payment companies, fintech service providers, merchant support teams and financial service operations. Experience and further qualifications can support progression into payment supervision, reconciliation management and digital banking service coordination.
