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Payments System

Master the infrastructure, innovation, and regulation of modern Payment Systems. Are you ready to take your understanding of international payments to the next level? The Payments System course by 3Masters provides a deep, practical, and up-to-date exploration of the evolving world of financial payments.

Whether you’re working in banking, finance, fintech, or treasury, this course gives you the tools to navigate today’s complex and fast-moving payments landscape. From traditional cash transactions to instant payments, blockchain solutions, and PSD2 innovations, you’ll explore the infrastructure, regulations, and technologies that shape how money moves—both domestically and internationally.

You will learn how payment systems affect a bank’s balance sheet, how competition and regulation are reshaping the market, and how customer behavior and digital trends are influencing product development and service delivery.

Participants will explore:
✅ The full structure of traditional and modern payment systems
✅ Key players: banks, PSPs, central banks, and fintech disruptors
✅ The roles of clearinghouses, SWIFT, and central infrastructures
✅ How PSD2, sanctions laws, and Basel II affect payment operations
✅ The cost and revenue dynamics of payment providers and their clients
✅ Modern innovations such as Instant Payments, SWIFT gpi, and Request to Pay
✅ Cash management structures including cash pooling and in-house banking
✅ The strategic importance of payment systems for working capital and treasury

This course is especially valuable for professionals involved in the day-to-day operations of payment systems, including those in client services, IT, operations, or advisory roles.
Program overview:

📌 Module 1: Fundamentals of the Payments System
• How money moves: payment flows from A to B
• Clearing & settlement processes
• Forms of money: cash, digital, blockchain, internal transfers

📌 Module 2: Market Infrastructure & Stakeholders
• Primary providers: banks, PSPs, issuers, acquirers
• Secondary providers: SWIFT, clearinghouses, processors
• Regulatory bodies: DNB, AFM, ECB, EU Competition Authority

📌 Module 3: Costs, Revenues & Regulatory Impact
• Direct and indirect cost structures
• How PSD2 and Basel II reshape banking operations
• The impact of sanctions and cross-border compliance

📌 Module 4: Payment Innovations & Trends
• Instant Payments & Request to Pay
• Omnichannel strategies and user experience
• SWIFT gpi and real-time tracking
• Integration with ERP and TMS systems

📌 Module 5: Cash Management & Treasury
• Payment systems and their impact on liquidity planning
• Cash flow forecasting and working capital optimization
• In-house banking, account structures, and cash pooling
• Strategic alignment with treasury and investment policies
After completing the Payments System Course, participants will:

• Understand the full payments value chain from initiation to settlement
• Know how different payment methods work across local and international contexts
• Be able to assess and manage cost, compliance, and efficiency in payment processes
• Navigate the regulatory landscape, including PSD2, AML, and sanctions legislation
• Apply modern payment strategies to optimize working capital and customer satisfaction
• Translate knowledge into practical action using real-life case studies and systems thinking

You’ll leave this course with a clear understanding of the current and future payments landscape, equipped to make informed decisions, manage risk, and contribute to innovation within your organization.

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Frequently Asked Questions

In Dutch or English.

The trainers at 3Masters work within the field of the training. They are specialists who engage with the training content daily. At 3Masters, we believe it is important that trainers have extensive experience and are enthusiastic about sharing their knowledge with participants.

Together with our trainers, we aim for an optimal trainer-to-participant ratio. Therefore, we work with training groups of approximately 12 participants, ensuring a good balance between experience, knowledge, and skills.

The training sessions can be organized both in-company and virtually. Together with the client, we determine what works best for the participants. Everything is possible, and our trainers are flexible.

The timing of the training will be determined in consultation with the client. Morning, afternoon, and evening sessions are all possible.