Bachelor of Science in Finance and Technology
The Bachelor of Science in Finance and Technology is a degree programme that equips students with knowledge and skills in in finance and technology. The programme falls under the Business & Commerce category and typically spans 4 years of full-time study at accredited Kenyan universities.
The short answer
- What it costs
- Up to Ksh 216,000 a year at a public institution, Ksh 864,000 for the whole course. Up to Ksh 242,800 a year at a private one.The detail
- Who can get in
- A KCSE mean grade of C+ (plus) mean grade at KCSE or above, plus 4 subject grades. There is another way in without it.The detail
- How long, and when
- Takes 4 years, full-time, with 6 months of attachment. Next intake January 2027, at 3 institutions.The detail
- Where it leads
- 8 careers in the catalogue. The least exposed to AI is Forensic Audit Investigator, at 17 out of 100.The detail
The programme
What you study, how long it takes, and how it is delivered.
Overview
The curriculum covers Finance and Technology, Financial Management, Financial Technology, Digital Finance, Blockchain, Financial Innovation. Students engage with both theoretical foundations and practical applications, developing competencies in technical and analytical competencies. The coursework is designed to build progressive understanding from foundational concepts to advanced topics.
Throughout the programme, students study Financial Management, Digital Banking, Finance and Technology Laboratory, Financial Innovation, Financial Technology. The teaching approach combines lectures, laboratory practicals, tutorials, assignments and independent research projects. This blend ensures graduates can apply theoretical knowledge to real-world problems in their field.
The programme offers specialisations in General Practice, Financial Analytics, Blockchain Technology. Students can focus their studies on areas of particular interest, allowing them to tailor their degree to specific career goals. The flexibility enables graduates to pursue diverse professional paths within the sector.
Graduates of the Bachelor of Science in Finance and Technology pursue careers as Fintech Product Manager, Fintech Analyst, Digital Banking Specialist, Financial Technology Consultant. They find employment in various sectors including government agencies, private companies, research institutions, non-governmental organisations and academic institutions. The degree opens doors to both local and international opportunities.
The programme is accredited by the Commission for University Education (CUE) and offered at recognised universities across Kenya. Students benefit from industry attachments, fieldwork and practical training that complement classroom learning and enhance employability upon graduation.
What you study
6 subjects- Finance and Technology
- Financial Management
- Financial Technology
- Digital Finance
- Blockchain
- Financial Innovation
Modules
12 in the programmeIntroduction to Finance and Technology
Year 1Semester 13 creditsCore
Comprehensive introduction to finance and technology, covering fintech concepts, digital finance, and the intersection of finance and technology.
Financial Management
Year 1Semester 23 creditsCore
Study of financial management principles, covering financial analysis, capital budgeting, working capital management, and financial decision-making.
Financial Technology
Year 1Semester 33 creditsCore
Examination of financial technology, covering fintech innovations, digital payments, mobile money, and fintech business models.
Digital Banking
Year 2Semester 13 creditsCore
Study of digital banking, covering online banking, mobile banking, digital payment systems, and banking technology.
Blockchain Technology
Year 2Semester 23 creditsCore
Analysis of blockchain technology, covering cryptocurrency, distributed ledger technology, smart contracts, and blockchain applications in finance.
Programming for Finance
Year 2Semester 33 creditsCore
Development of programming skills for finance, covering Python for finance, financial modeling, and algorithmic trading.
Data Analytics in Finance
Year 3Semester 13 creditsCore
Study of data analytics in finance, covering financial data analysis, predictive modeling, and data-driven financial decision-making.
Financial Regulations
Year 3Semester 23 creditsCore
Examination of financial regulations, covering fintech regulation, compliance, and legal frameworks for financial technology.
Cybersecurity in Finance
Year 3Semester 33 creditsCore
Study of cybersecurity in finance, covering financial security, fraud prevention, and cybersecurity measures for financial systems.
Financial Innovation
Year 4Semester 13 creditsCore
Analysis of financial innovation, covering product development, disruptive technologies, and innovation in financial services.
Finance and Technology Laboratory
Year 4Semester 23 creditsCore
Practical laboratory work where students apply learned skills in fintech practice, digital finance applications, and blockchain technology.
Finance and Technology Research Project
Year 4Semester 36 creditsCore
Independent research project on fintech topic, demonstrating mastery of finance and technology theory and practice.
Specialisations
Financial Analytics
Focus on financial data analysis, predictive modeling, and data-driven financial decision-making. This specialisation equips graduates with discipline-specific competencies for professional practice in Kenya and the East African region, with pathways to postgraduate study and professional certification.
Blockchain Technology
Specialization in cryptocurrency, distributed ledger technology, and smart contracts. This specialisation equips graduates with discipline-specific competencies for professional practice in Kenya and the East African region, with pathways to postgraduate study and professional certification.
Digital Banking
Focus on online banking, mobile banking, and digital payment systems for digital banking careers. This specialisation equips graduates with discipline-specific competencies for professional practice in Kenya and the East African region, with pathways to postgraduate study and professional certification.
General Practice
Broad foundational knowledge covering core principles and practices in the field. This specialisation equips graduates with discipline-specific competencies for professional practice in Kenya and the East African region, with pathways to postgraduate study and professional certification.
A day as a student
Students attend lectures, conduct fintech projects, participate in laboratory work, and engage in digital finance applications.
The trade-offs
| In its favour | Against it |
|---|---|
| Growing fintech sector in Kenya with increasing demand for professionals at the intersection of finance and technology. | Fintech is a rapidly evolving field requiring continuous learning of new technologies and regulations. |
| Opportunity to work in cutting-edge areas like blockchain, digital payments, and financial innovation. | Fintech work requires strong understanding of both finance and technology disciplines. |
| Fintech projects and laboratory work provide hands-on experience with digital finance and blockchain technology. | — |
What it costs
Tuition at both ends of the market, and how to pay for it.
What it costs, and where
Against 331 business coursesAnnual tuition in Kenyan shillings, rounded. The upright tick is the median for this field, so a bar sitting entirely to its right is an expensive programme by the standards of its own subject.
The fine print
KU 183.6K/yr (ku.ac.ke), UoN 216K/yr (Schedule II). MUA 186K, Daystar 242.8K.
HELB loans available for eligible students. Some universities offer scholarships based on academic performance.
Funding options
Higher Education Loans Board (HELB)
Scholarships
4 recordedHigher Education Loans Board (HELB) Loan
LoanKsh 60,000Kenyan
Kenyan students admitted to recognised universities demonstrating financial need.
Higher Education Fund (HEF)
Government fundingKenyan
Kenyan students in public universities under the new funding model based on financial need assessment.
County Government Bursaries
BursaryKenyan
Residents of respective counties pursuing undergraduate studies
ICPAK Scholarship for Accounting and Finance Students
ScholarshipKenyan
Bright and needy students admitted to accounting or finance programmes
Scholarships you could apply for
11 usable where it is taught- Equity Group Foundation Wings to Fly
Closes 28 February 2027FullEquity Bank
Full secondary + university
- Aga Khan Foundation Scholarship
Closes 31 March 2027FullAga Khan Foundation
Full university study
- KCB Foundation Scholarship
Closes 31 March 2027FullKCB Bank
Full tuition + stipend
- Mombasa Cement Scholarship
Closes 31 May 2027PartialMombasa Cement Ltd
KES 100,000 per year
- Safaricom Foundation ICT Scholarship
Closes 30 June 2027FullSafaricom Foundation
Full tuition + internship
- Family Bank Foundation Education Support
Closes 30 June 2027PartialFamily Bank
KES 80,000 per year
- HELB Undergraduate Scholarship
Closes 31 July 2027PartialHigher Education Loans Board
KES 40,000 to 60,000 per year
- County Government Scholarships
Varies by countyPartialCounty Governments
KES 50,000 to 200,000 per year
Getting in
The grades, the alternatives, and who accredits the award.
What you need
Diploma holders in Finance, Banking, Information Technology, Computer Science, or related fields with Credit pass from recognized institutions may also apply.
When it next starts
Taught at 3 institutionsIncluding Strathmore University, Maseno University, Jomo Kenyatta University of Agriculture and Technology.
Including Strathmore University, Maseno University, Jomo Kenyatta University of Agriculture and Technology.
Including Strathmore University, Maseno University, Jomo Kenyatta University of Agriculture and Technology.
How you are assessed
4 componentsResearch Project
Project100% of the mark
Independent research project on finance and technology topic, demonstrating mastery of fintech theory and practice.
Laboratory Assessments
Practicum100% of the mark
Evaluation of fintech skills, digital finance work, and practical applications through fintech projects and laboratory work.
End of Semester Examinations
Exam70% of the mark
Comprehensive written examinations at the end of each semester testing understanding of financial management, fintech, and blockchain technology.
Continuous Assessment Tests
Cat30% of the mark
Regular tests, assignments, and fintech exercises throughout the semester evaluating finance and technology knowledge and practical skills.
Accreditation
Commission for University Education
NationalRequired
Mandatory accreditation for all university programmes in Kenya.
Accredited by Commission for University Education (CUE).
Where it leads
The roles it opens, and what you leave with.
Where graduates go
5 rolesFintech Product Manager
Medium demandKsh 60,000 to Ksh 135,000
Manage fintech product development, coordinate fintech projects, and support financial technology innovation.
Fintech Analyst
High demandKsh 54,000 to Ksh 120,000
Analyze fintech solutions, evaluate financial technology applications, and support fintech product development.
Digital Banking Specialist
High demandKsh 52,000 to Ksh 115,000
Work in digital banking, manage digital banking platforms, and support digital financial services.
Financial Technology Consultant
Medium demandKsh 58,000 to Ksh 130,000
Provide fintech expertise, consult on financial technology, and support organizations in fintech adoption.
Blockchain Developer
Medium demandKsh 56,000 to Ksh 125,000
Develop blockchain applications, work with cryptocurrency, and support blockchain technology implementation.
Graduate outcomes
Graduates work in finance and technology across Kenya's banking, fintech, and technology sectors.
Where these fields lead
8 careers- Forensic Audit InvestigatorBusiness17Low exposure
- Franchise Operations ManagerBusiness18Low exposure
- Infrastructure Finance SpecialistBusiness18Low exposure
- Intermodal Reefer TechnicianBusiness18Low exposure
- Climate Risk UnderwriterBusiness19Low exposure
- Coldchain Logistics ManagerBusiness19Low exposure
- Municipal Finance SpecialistBusiness19Low exposure
- Islamic Banking SpecialistBusiness20Low exposure
Tools you will learn
Microsoft Excel
SoftwarePrimary
Spreadsheet software for financial modelling, data analysis, accounting worksheets, and business reporting — essential for business graduates.
QuickBooks
SoftwarePrimary
Accounting software widely used by SMEs in Kenya for bookkeeping, invoicing, expense tracking, and financial reporting.
SAP ERP
Software
Enterprise resource planning software used by large organisations for integrated business management including finance, procurement, and HR modules.
Power BI
Software
Business analytics tool for data visualisation, dashboard creation, and business intelligence reporting.
Microsoft Office Suite
Software
Word processing, presentations, and communication tools essential for business documentation and reporting.
Certifications
Industry links
Common misconceptions
Fintech is only about cryptocurrency
Fintech encompasses digital payments, mobile money, lending, insurance, and diverse financial innovations.
You need to be a programmer for fintech
Fintech requires diverse skills including finance, product management, compliance, and business strategy.
Fintech will replace traditional banking
Fintech complements traditional banking through partnerships and innovation integration.
Blockchain is only for criminals
Blockchain technology has legitimate applications in finance, supply chain, and identity verification.
Fintech is only for tech companies
Fintech skills are needed in banks, insurance companies, government, and traditional financial institutions.
Fintech is a passing trend
Fintech is a fundamental transformation of financial services with sustained growth and innovation.