Introduction:

Dual banking systems, encompassing both interest based and non-interest banking, represent a sophisticated financial architecture that requires harmonized regulatory oversight and institutional governance. Managing such frameworks demands advanced approaches to supervision, policy alignment, and financial stability safeguards. The interaction between conventional and non-interest banking structures introduces unique challenges in regulation, risk management, and technological integration. This training program provides advanced models, supervisory frameworks, and analytical structures that define the management and regulatory practices of dual banking environments. It also emphasizes the integration of SupTech, RegTech, AI, and blockchain to enhance resilience and policy effectiveness.

Program Objectives:

By the end of this program, participants will be able to:

• Analyze institutional frameworks governing dual banking systems.

• Evaluate supervisory and regulatory models for interest and non-interest banking.

• Classify the role of SupTech and RegTech in dual banking oversight.

• Examine deposit insurance structures and systemic stability mechanisms.

• Assess the impact of AI, blockchain, and monetary policy tools in dual banking environments.

Targeted Audience:

• Central Bank Regulators and Supervisors.

• Financial Policy Makers.

• Banking Executives from Interest and Non-Interest Banks.

• Risk and Compliance Professionals.

• Financial Technology and Innovation Specialists.

Program Outline:

Unit 1:

Dual Banking Frameworks and Institutional Structures:

• Models of dual banking systems: coexistence of interest and non-interest institutions.

• Legal and regulatory foundations shaping dual banking frameworks.

• Comparative structures across global dual banking jurisdictions.

• Governance structures for ensuring systemic stability under dual frameworks.

• Institutional mechanisms for balancing innovation with compliance.

Unit 2:

Regulation and Supervision in Dual Banking Systems:

• Supervisory approaches to harmonizing interest and non-interest banking practices.

• Prudential standards, capital adequacy, and liquidity regulation under dual systems.

• Risk assessment models for parallel banking structures.

• Policy frameworks for conflict resolution between regulatory mandates.

• Oversight protocols ensuring consistency in market conduct and compliance.

Unit 3:

Technology Integration – SupTech, RegTech, AI, and Blockchain:

• Frameworks for deploying SupTech in monitoring dual banking activities.

• Role of RegTech in ensuring compliance efficiency under complex regulatory systems.

• Oversight on AI applications for fraud detection, customer behavior analysis, and compliance reporting.

• Blockchain based frameworks for transparency, settlement, and dual banking innovation.

• Evaluation of technological governance in dual banking oversight.

Unit 4:

Deposit Insurance and Systemic Stability in Dual Structures:

• Institutional frameworks for deposit insurance under dual banking systems.

• Risk mitigation models for safeguarding deposits across interest and non-interest banks.

• Cross sectoral coordination for crisis management in dual systems.

• Policy options for ensuring financial inclusion while maintaining deposit security.

• Comparative analysis of global practices in deposit protection schemes.

Unit 5:

Monetary Policy Implementation in Dual Banking Environments:

• Structural challenges of implementing monetary policy under dual systems.

• Potency and limitations of conventional monetary policy tools.

• Strategies for liquidity management across interest and non-interest institutions.

• Policy synchronization models for exchange rate and inflation control.

• Emerging approaches to dual banking monetary governance in developing economies.