Ethiopia's Fintech Learning Authority

Specialized Fintech Trainings Designed for Real-World Payment Systems in Ethiopia

Dorira Tech is the premier fintech training provider for Commercial Banks, Payment Service Providers (PSPs), Payment Gateways, Microfinance Institutions (MFIs), and ambition-driven engineers across Ethiopia. We transform complex financial standards into operational confidence.

Commercial Banks

Core Banking (CBS) engineers, switch teams, card ops & clearing officers.

PSPs & Wallets

Mobile money switch architects, agent banking ops & acquiring developers.

Payment Gateways

Merchant checkout developers, webhook engineers & 3DS specialists.

MFIs & SACCOs

Digital microcredit teams, instant disbursement ops & national payment switch rails.

Individuals & Devs

Accelerate high-paying financial switch & protocol engineering careers.

Full Syllabus Modules

Fintech Masterclasses & Protocol Syllabi

Taught by veteran payment engineers who have deployed switches, central banks RTGS, and tier-1 mobile money platforms.

Flagship #1 Priority 3 Days Intensive • Hands-On Hex/Wireshark Labs

Advanced ISO 8583 Financial Protocol & Switch Interoperability

Enroll Cohort / Team

Master the core heartbeat of worldwide ATM, POS, and financial switch networks. Gain deep binary parsing skills, message construction, and national switch connectivity (Central Switches, BPC SmartVista, Euronet).

Detailed Learning Modules:

MTI Hierarchy: 1987, 1993, 2003 formats (0100/0110, 0200/0210, 0420/0430, 0800/0810)

Bitmap Calculations: Primary, Secondary, Tertiary bitmaps in binary & hex representation

Data Elements (DE 1 - 128): Fixed vs. LLVAR, LLLVAR, Packed BCD, ASCII, and binary packagers

Critical Fields: DE 2 (PAN), DE 3 (Proc Code), DE 4 (Amount), DE 11 (STAN), DE 35/45 (Tracks), DE 48/62/127 (Private)

Switch Routing & SAF: Store and Forward, Dual-Message vs. Single-Message Systems, Echo Test

Live Hex Simulation: Packet dissection using Wireshark and custom Python/Java socket listeners

Modernization Standard 2 Days • XML/JSON Schema Engineering

ISO 20022 Universal Financial Messaging & RTGS

Enroll Cohort / Team

The global language replacing legacy SWIFT MT and domestic clearing. Prepare your Core Banking and treasury systems for national RTGS mandates and rich structured remittance payloads.

Detailed Learning Modules:

pacs.008 & pacs.009: Customer & Financial Institution Credit Transfers

pacs.002 & pacs.004: Payment Status Reports, Rejections & Payment Returns

camt.053 & camt.054: End-of-Day Bank-to-Customer Statements & Debit/Credit Notifications

pain.001 / pain.002: Customer-to-Bank Payment Initiation (Corporate Payroll & Bulk Collections)

Mapping Engine: Bridging ISO 8583 fields to ISO 20022 XML tags without truncation

Sanctions & AML: Handling structured debtor/creditor address verification (PostalAddress)

Card Banking 2 Days • EMV Cryptography & POS Integration

Card Payments, EMV Chip & Terminal Fleet Management

Enroll Cohort / Team

Complete mastery of the four-party payment model (Cardholder, Merchant, Issuer, Acquirer), EMV contact/contactless kernel mechanics, and POS/ATM terminal key management.

Detailed Learning Modules:

Four-Party Model: Interchange fees, scheme fees, issuer risk, and acquirer batch settlements

EMV Cryptograms: ARQC (Authorization Request), ARPC (Response), TC (Transaction Certificate), AAC

Offline Data Auth: SDA, DDA, and Combined DDA/Generate AC (CDA) validation

Security & HSM: DUKPT (Derived Unique Key Per Transaction), Zone Master Keys (ZMK), PIN Block Formats 0, 1, 3

Terminal Protocols: AS2805, ISO 8583 POS dialect, TMS remote key injection (RKI)

Compliance: PCI-DSS v4.0 and PCI-PTS terminal security certifications

Instant Payment Rails 2 Days • Real-Time Architecture & EMVCo QR

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

Enroll Cohort / Team

Equipping wallet providers, telecommunication operators, and banks with the tools to implement instant payment rails, QR merchant acquiring, and cross-provider P2P interoperability.

Detailed Learning Modules:

EMVCo QR Standards: Merchant-Presented Mode (MPM) & Consumer-Presented Mode (CPM) TLV payload parsing

Static vs. Dynamic QR: Dynamic invoice generation, CRC-16 checksum computation & timeout safety

RTP Engine Dynamics: Sub-second funds verification, pre-authorization liquidity locks, irrevocable instant posting

Addressing Directory: Proxy resolution (MSISDN, Account Alias, National ID) across banks and wallets

P2P & P2B Flows: Person-to-Person, Person-to-Merchant, and Government Bulk Disbursements

Dispute Automation: Instant reversal triggers, failed debit recovery & Central Switch integration

Gateway Development 2 Days • API Switching, 3DS & Webhooks

Payment Gateways, Checkout SDKs & Merchant Rails

Enroll Cohort / Team

Learn how to architect, develop, and operate high-availability online payment gateways, developer-first checkout widgets, and resilient merchant disbursement pipelines.

Detailed Learning Modules:

Idempotency Engineering: Preventing double debits via unique idempotency keys & Redis locks

Webhook Reliability: HMAC signatures, exponential backoff retries, and dead-letter queue architectures

Card Tokenization: PCI-DSS token vaults, card-on-file (CoF), and recurring subscription billing engines

3D-Secure 2.0 (EMV 3DS): Frictionless flow vs. Step-up challenge, Directory Server (DS) & Access Control Server (ACS)

Multi-Acquirer Smart Routing: Least-cost routing, fallback triggers, and uptime load balancing

Merchant Portal Engineering: Real-time analytics, automated API key rolling & instant payouts

Financial Operations 2 Days • Automated Matching & Dispute Engines

Financial Reconciliation, Settlement & DORECON Operations

Enroll Cohort / Team

Hands-on mastering of high-volume financial reconciliation between Core Banking (CBS), Central Switch journals, and merchant terminals. Learn automated matching algorithms and the DORECON platform.

Detailed Learning Modules:

Multi-Way Reconciliation: 2-Way, 3-Way, and 4-Way matching logic (CBS vs Switch vs Terminal vs Scheme)

File Formats: Ingestion of raw switch journals, ISO 8583 0500 batches, MT940 statements & CSV logs

Discrepancy Triage: Unilateral debits, timed-out reversals, drop transactions & orphan records

Interchange & Fee Accounting: Automatic fee calculations, split-settlement posting & General Ledger balancing

Dispute & Chargeback Management: Evidence bundling, representment workflows & arbitration rules

DORECON Platform: Enterprise deployment, dashboard analysis, and rule-based workflow automation

Payment Solutions & Engineering

Institutional Fintech Solutions & Systems Advisory

Beyond training, Dorira Tech engineers mission-critical financial platforms, automated reconciliation engines, and custom switches for financial institutions.

DORECON Enterprise Platform

Our flagship reconciliation & financial control platform. Automates million-transaction ledger balancing, fee calculations, and dispute management across Core Banking, Central Switches, and POS/ATM channels.

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DORSWITCH White-Label Platform

Our turnkey payment gateway and switch solution for Ethiopian Banks, PSPs, and aggregators. Delivers white-label hosted checkout, merchant portals, mobile SDKs, and out-of-the-box connectors for telebirr, CBE Birr, cards, and national payment switch rails.

Request DORSWITCH Demo →

CBS & Central Switch Advisory

End-to-end consulting for financial institutions hooking up to national switches, upgrading core banking hosts, implementing ISO 20022 schemas, or auditing live transaction queues.

Book Technical Advisory →

Payment Security & HSM Cryptography

Audit readiness, HSM key ceremony planning (ZMK, ZPK, PVK), PIN translation security, and PCI-DSS compliance guidance for cards and wallet architectures.

Schedule Security Audit →