Study Fee: Click here to view the t(/study-fee)uition and subscription options.(/study-fee)(/study-fee) Monthly study plans start from €499 per month, depending on the program and level of academic support selected.

Study Method: This program is delivered 100% online, allowing students to study from anywhere in the world with flexible scheduling. Students may also have the option to attend the graduation ceremony in Switzerland, subject to visa approval and travel regulations.

Study Language: The program is delivered in English. Students are expected to have sufficient English language proficiency to complete the coursework and academic requirements.

Applications can be submitted online through our admission portal.(/apply)(/apply) Applicants may also contact or visit our offices in different regions, including: • Europe: Switzerland • GCC: Dubai (UAE) • Asia: Bishkek Our admissions team will guide you through the application and enrollment process.

Programs are offered through a flexible monthly subscription system, allowing students to progress at their own pace while maintaining access to academic resources and support services.

This program has a minimum study period depending on the academic level and program structure. Students may complete the program at their own pace while maintaining an active monthly subscription.

Admission Requirements

Applicants should meet the academic entry requirements for the respective program level. Typical requirements may include: • A previous academic qualification relevant to the program level • A copy of passport or national ID • Curriculum Vitae (CV) or resume • Completed online application form Additional documents may be requested depending on the program and the institution delivering the program.

Certification / Degree Awarded

Upon successful completion of all academic requirements, students will receive the corresponding certificate or academic degree issued by the responsible institution within the VBNN Smart Education Group network.

Doctorate in FinTech and Financial Innovation

Feb 18
2 min read

The Doctorate in FinTech and Financial Innovation is a 100% research-based doctorate study program designed for senior finance professionals, fintech entrepreneurs, banking executives, regulatory specialists, investment strategists, and digital finance innovators who aim to transform global financial systems through advanced research and strategic innovation.

This doctorate study program is academically positioned at a level equivalent to EQF Level 8, aligned with the 3rd European cycle, and is structured to cultivate high-level research competence, analytical excellence, and visionary leadership in financial technology and innovation ecosystems.

Program Vision

Financial technology is reshaping the global financial landscape. Digital banking, blockchain-based finance, artificial intelligence in risk modeling, algorithmic trading, decentralized finance, digital payments, open banking systems, and regulatory technology are redefining how financial services operate and deliver value.

This program is designed for professionals who seek to conduct original research in fintech architecture, digital financial systems, financial innovation strategy, risk analytics, regulatory frameworks, digital asset markets, payment technologies, and the future of financial governance. It bridges finance, technology, regulation, and strategic management in a rapidly evolving global economy.

Academic Structure

The doctorate study program consists of 7 structured modules, designed to progressively develop advanced research mastery and specialized expertise:

4 Research-Focused Modules Covering advanced quantitative and qualitative research methodologies, financial data analytics, modeling and simulation, academic writing, publication strategies, and research ethics.
2 General Modules Focused on strategic leadership, innovation management, global financial systems, digital governance, regulatory environments, and policy development in financial markets.
1 Specialized Module in FinTech and Financial Innovation Dedicated to digital banking systems, payment technologies, blockchain applications in finance, financial risk management models, fintech entrepreneurship, regulatory technology, and digital transformation in financial institutions.

The program culminates in a doctoral thesis and research activities, enabling participants to produce original, high-level scholarly work that contributes to the advancement of financial innovation and fintech ecosystems.

Duration and Flexibility

The minimum duration of the program is 18 months, with flexibility allowing participants to extend their study timeline according to research scope and professional commitments. This structure is particularly suitable for experienced finance and technology professionals seeking academic advancement while leading innovation initiatives.

Learning Outcomes

Upon completion, participants are expected to:

Demonstrate advanced research expertise in fintech and financial innovation.
Develop innovative digital financial models and strategic frameworks.
Analyze complex financial ecosystems using evidence-based methodologies.
Contribute to regulatory and governance discussions in digital finance.
Publish impactful research in global fintech and financial innovation contexts.

This doctorate study program is designed for visionary leaders who aim to influence the future of global finance, strengthen digital financial infrastructures, and drive sustainable financial innovation through rigorous research and strategic insight.