Fintech Academy • Switch Advisory • Platforms

Empowering Ethiopia's
Financial Infrastructure

Premier payment masterclasses, central switch engineering, and banking software platforms built for Ethiopia's digital economy.

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2-3 Days Intensive Tracks
•
100% Practical Hands-On
•
2030 Fintech Vision
LIVE RAIL
01 SESSION_INIT → core_cbs_settlement_stream
02 import { MultiPartyReconciliation } from '@dorira/dorecon';
03 const batch = await dorecon.matchLedger({
04   channels: ['CBS', 'NationalSwitch', 'POS/ATM', 'telebirr'],
05   toleranceWindow: '0.00s', // Zero-loss 4-way settlement
06   autoDisputeResolution: true
07 });
08 ✓ 2,481,902 TRANSACTIONS BALANCED • Variance: 0.00 ETB
DORECON

Automated Ledger Balancing & Settlement

Multi-party transaction reconciliation, automated dispute resolution, and general ledger export across CBS, Switch, and POS/ATM channels.

✓ CBS Direct Feed ✓ Central Switch Ready ✓ Dispute Management ✓ Automated GL Export
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Target Financial Ecosystem

Fintech Solutions & Masterclasses For Every Stakeholder

From institutional Core Banking switches to high-scale payment gateways and developer careers. Click or hover any sector to explore tailored capabilities.

↔ Swipe horizontally to explore all 8 sectors 8 Sectors
Institutional Banking

Commercial Banks

Core Banking (CBS) connectivity, ATM & POS device fleets, high-volume batch clearing, and central national switch routing.

CBS Direct Integration ATM & POS Fleets Central Switch Routing
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Comprehensive Fintech Curriculum

Specialized Payment & Switch Engineering Tracks

From card rails and national switch protocols to instant P2P/RTP and next-gen ISO 20022 messaging.

Highest Priority

ISO 8583 Protocol & Switch Interoperability

The industry-standard masterclass on financial transaction messaging, bitmaps, packaging, and central switch connectivity.

ISO 8583 Anatomy: 1987 / 1993 / 2003 MTIs, Bitmaps (Primary/Secondary) & Data Elements
Complete Transaction Life Cycles: Authorization (0100/0110), Financial (0200/0210), Reversals (0400/0410), Reconciliation (0500)
National Switch Integration: Central Switches, BPC SmartVista, Euronet & CBS Host Interfaces
3 Days Intensive Banks • Switches • PSPs Hands-on Wireshark Labs
Next-Gen Standard

ISO 20022 Universal Financial Messaging

Master modern XML/JSON-based messaging defining cross-border payments, RTGS modernization, and instant rails.

Pains, Pacs, Camt message families (pacs.008, pacs.002, camt.053)
Coexistence strategies & translation engines between ISO 8583 and ISO 20022
Rich remittance data, automated compliance & sanction screening
2 Days Masterclass RTGS • Swift MX • Cross-Border
Card Banking

Card Payments, EMV Chip & Terminal Fleets

End-to-end payment card ecosystems: Issuing, Acquiring, EMV kernel cryptography, and POS/ATM device integration.

Card Scheme Operations: Visa, Mastercard, Domestic Interoperable Cards
EMV Level 1, 2, 3: Cryptograms (ARQC, ARPC, TC), Contact & Contactless NFC
HSM Cryptography, DUKPT Key Management, PIN Blocks & PCI-PTS
2 Days Hands-On ATM • POS • Card Operations
Instant Rail

Interoperable QR, P2P & Real-Time Payments (RTP)

Architect modern instant payment switches, EMVCo standard QR codes, and frictionless wallet-to-wallet transfer rails.

EMVCo Static & Dynamic QR specifications for merchant acquiring
Real-Time Payments (RTP): Instant clearing, settlement guarantees & liquidity locks
P2P Interoperability: Proxy addressing (Phone, National ID, Alias)
2 Days Wallets • FinTechs • SuperApps
Gateways

Payment Gateways, Checkout SDKs & Merchant Rails

Build, integrate, and scale enterprise payment gateways with resilient webhooks, tokenization, and multi-PSP routing.

Gateway Architecture: Idempotent APIs, Webhook Delivery & Retry queues
Tokenization vaults, 3D-Secure 2.0 (3DS) flow and fraud prevention
Multi-Acquirer Smart Routing & Automated Merchant Settlements
2 Days Gateway Developers • Fintechs
Financial Control

Reconciliation, Settlement & Dispute Management

End-to-end multi-party reconciliation between Core Banking (CBS), Central Switch, and Merchant Terminal journals.

2-Way, 3-Way & 4-Way Automated Matching algorithms
Fee splitting, interchange calculation & discrepancy resolution
DORECON Platform: Hands-on implementation & GL balancing
2 Days Finance, Audit & Settlement Teams
Sovereign Financial Standards

Architected for Ethiopian Banking & Switch Rails

Enterprise compliance, hardware-grade cryptography, and Core Banking interoperability built for Ethiopia's 2030 digital economy.

EthSwitch & NBE

National Switch & NBE Regulatory Alignment

Engineered strictly compliant with National Bank of Ethiopia (NBE) directives, EthSwitch national retail switch mandates, and sovereign currency clearing standards.

EthSwitch ISO 8583 & ISO 20022 message packaging & routing
Real-time P2P, P2B, and instant QR interoperability protocols
Daily multilateral netting and automated central clearing window sync
FIPS 140-2 Level 3

Hardware-Enforced Cryptography (HSM)

Turnkey integration with banking-grade Hardware Security Modules (Thales payShield & SafeNet Luna) guaranteeing cryptographic isolation and compliance.

Automated Key Ceremony & Zone Master Key (ZMK / ZPK) rotation
ANSI X9.8 PIN Block translation, PVK verification & CVV calculation
DUKPT (Derive Unique Key Per Transaction) for POS fleets & PCI-DSS 4.0
Core Banking

Core Banking (CBS) & Multi-Channel Routing

Bi-directional middleware adapters and real-time switch engines connecting legacy core ledgers with mobile wallets, POS terminals, and external switches.

Oracle FLEXCUBE, Finacle, and Temenos Transact connectors
High-concurrency switch multiplexing with sub-50ms message processing
Active-active clustering with automated failover and store-and-forward
DORECON Engine

Multi-Party Settlement & Ledger Integrity

Eliminate reconciliation backlog with automated 4-way matching across CBS ledgers, switch logs, ATM electronic journals, and card scheme raw feeds.

Automated 4-way matching across CBS, EthSwitch & ATM Journals
End-to-end dispute management with audit trails & chargeback workflows
Automated General Ledger (GL) balance adjustment file generation
Guiding Principles

What Drives Our Work

Five core values shape every syllabus, consulting engagement, and system architecture we deliver.

01

Excellence

Highest standards in curriculum delivery and technical execution.

02

Agility

Rapidly adapting to evolving payment switches and fintech regulations.

03

Accountability

Taking complete responsibility for client outcomes and commitments.

04

Collaboration

Working transparently with banking and public partners to build success.

05

Empowerment

Equipping teams with the depth to innovate and operate independently.