A fintech degree is a relatively new way of entering an exciting new field. Financial technology, or fintech, is the fastest-growing job sector in finance.
Longer-term, it may be one of the only growing job sectors in finance, as large banks are projecting hundreds of thousands of job losses. FinTech positions, however, will be largely protected against redundancy.
Over the next decade (or two), banks and governments worldwide will update their systems to 21st-century standards, which means employing tens of thousands of fintech professionals.
For the most part, an upgrade to the financial system means adopting blockchain and distributed ledger technology. Regardless of whether public blockchains like Ethereum and Bitcoin play a role, blockchain will be widely adopted for various purposes. Central bank digital currencies, smart contracts, private stablecoins like the JPM coin, and so much more.
Job seekers who complete a fintech bachelor’s degree stand to graduate into a robust job market, a market that’s only going to improve as more companies and governments seek to capitalize on the latest financial technologies.
While tech hubs like Singapore, Tel Aviv, Hong Kong, New York, and London are where most jobs will be, fintech professionals can work in almost any city. A fintech degree gives graduates lots of flexibility in where they choose to work and live.
The Best Bachelor’s in Fintech Programs for 2024
New Jersey Institute of Technology
Newark, New Jersey
Program: Bachelor's in Financial Technology
Tuition: $74,048 in state | $139,888 out of state
Credits: 120
Cost per credit: $617 in state | $1,166 out of state
Delivery Method: Campus
Learn more: Program detailsNortheastern University
Boston, MassachusettsProgram: Undergraduate Concentration in Fintech
Tuition: $236,416
Credits: 128
Cost per credit: $1,847
Delivery Method: Campus
Learn more: Program detailsSeton Hall University
South Orange, New JerseyProgram: Bachelor of Science in Finance and Technology
Tuition: $34,080
Credits: 24
Cost per credit: $1,420
Delivery Method: Campus
Learn more: Program detailsUniversity of North Georgia
GeorgiaProgram: Fintech Minor
Tuition: $2,915 in state | $9,994 out of state
Credits: 15
Cost per credit: $194 in state | $666 out of state
Delivery Method: Campus
Learn more: Program detailsCreighton University
Omaha, NebraskaProgram: Bachelor of Science in FinTech
Tuition: $45,000
Credits: 30
Cost per credit: $1,500
GMAT required: Required
Delivery Method: Campus
Learn more: Program detailsVirginia Commonwealth University
Richmond, VirginiaProgram: Bachelor or Science in Financial Technology
Tuition: $29,564 in state | $79,720 out of state
Credits: 123
Cost per credit: $240 in state | $648 out of state
Delivery Method: Campus
Learn more: Program details
Steps in Choosing a Fintech Degree Program
Prospective students interested in taking a bachelor’s degree in financial technology may wish to consider the following factors.
- Prerequisites – Students graduating from high school with elective classes in math and finance may find it easier to get admitted to a university that offers a fintech bachelor’s degree
- Degree requirements – To graduate from a fintech bachelor’s degree program, students will need to complete classes in finance, computer science, and data management
- Admission requirements – The admission requirements depend on the university which the student is applying. The university may or may not have special requirements for students to get accepted by a fintech degree program
- The application process – Students may begin applying for a bachelor’s degree program up to a year in advance. Many schools have an online application process
- Cost – According to US News, the average price for in-state tuition at a public university is $9,687 per year. Out-of-state tuition at a public university costs $21,184 per year
The Best Schools for a Fintech Degree
Unfortunately, at this time, there are only a few universities in the United States that are offering a bachelor’s degree in financial technology. There are several reasons why this is the case.
Many fintech job seekers elect to get a master’s degree, which has led to a proliferation of fintech master’s degree programs rather than bachelor’s degree programs.
At the other end of the spectrum, fintech bootcamps have also become quite popular. A bootcamp is a fast and comparatively inexpensive way for a student to get a solid grounding in fintech without having to take a college degree.
Seton Hall is one of the few universities to offer a fintech bachelor’s degree. According to the campus’s degree page, the program enables students to “bridge the gap between the finance and technology staffs, uniquely preparing you for the most well-paid and sought-after positions in the financial industry. You will study financial strategy and investment analysis alongside courses in programming and information modeling.”
The New Jersey Institute of Technology (NJIT) also offers a bachelor’s degree program where students study machine learning, cybersecurity, cryptocurrency, investment analysis and management, and artificial intelligence. NJIT’s full curriculum will be covered in detail in a later section of this guide.
Job seekers who want to take a fintech bachelor’s degree may also consider international financial centers like Singapore and Hong Kong, which have plenty of educational opportunities. Alternatively, a job seeker can complete an undergraduate degree in finance and supplement that education with a fintech course, a fintech bootcamp, or a master’s degree in fintech.
The Advantages of an Online Fintech Degree
An online fintech degree offers several advantages over a traditional, classroom-based degree.
- Flexibility – While some online lectures are presented live, many are pre-recorded, which means that students can watch them at any time. Online learning may be especially convenient for students who plan to work and study
- Location-independent – Online lectures can be viewed from anywhere; students needn’t go to campus
- A wider variety of subjects – Online degree programs can sometimes offer a greater degree of flexibility in what students study since students may have access to a variety of lectures from outside of their degree path
- Affordability – Online bachelor’s degree programs tend to be cheaper than campus-based programs
- Professor availability – Students may have even more access to their professors in an online setting than they would in a classroom-based model. Online programs typically offer students multiple ways to connect and work with their professors
Admissions Requirements
Fintech bachelor’s degree programs don’t typically have admission requirements separate from those of the university. If a student is admitted to a university, they will typically have the option to complete a degree in fintech.
The following are some of the most common requirements to be admitted to a four-year university.
- SAT Score – The average SAT score for students who get admitted to the university is 1,050
- High School GPA – Most students who plan on attending university have a GPA of 3.0 or higher
- Extracurricular activities – After-school activities like sports and club memberships may help a student get admitted to more universities
- Elective classes – Elective classes in math, computer science, and economics can be beneficial for students who are planning on getting a fintech bachelor’s degree
The New Jersey Institute of Technology, which offers a four-year undergraduate degree in fintech, has higher than usual admission requirements. The average incoming freshman has an SAT score of 1,285 and an ACT score of 26.
Seton Hall students can apply online for the fintech bachelor’s degree program. There is a non-refundable $55 application fee. After filling out the online application, students will need to supply a highschool transcript and a copy of their SAT or ACT results.
Fintech Degree Curriculum
The following are two example curriculums for real bachelor’s degree programs in financial technology. Although every university offers different classes, themes like financial analysis and blockchain technology are common in every fintech program.
The New Jersey Institute of Technology Degree Curriculum
- Fundamentals of Financial Accounting
- Computer Science with Business Problems
- English Composition: Writing, Speaking, Thinking I
- Calculus for Business
- Introduction to Business
- First-Year Seminar
- Introduction to Computer Science
- Quantitative Analysis
- Macroeconomics
- English Composition: Writing, Speaking, Thinking II
- Business Law I
- Introduction to Management Information Systems
- Microeconomics
- Business Data Analytics
- History and Humanities
- Natural Science
- Fundamentals of Corporate Finance
- Principles of Marketing
- Management Science
- Introduction to Computer Science II 3
- Natural Science w/Lab
- Financial Markets and Institutions
- Organizational Behavior
- Data-Driven Financial Modeling
- Financing New Venture
- Career Planning and Major Field Test 1
- Web App Development for Mobile
- Database Systems for Managers
- Financial Data Analytics 3
- History and Humanities
- Blockchain Technology for Business
- Options and Futures Markets
- History and Humanities
- Investments Management
- Data Mining and Machine Learning
- Business With the Power of Technology
- Managing Technology and Innovation
- Artificial Intelligence for Business
- Humanities and Social Sciences Senior Seminar
A complete course curriculum is also available for Virginia Commonwealth University’s Financial Technology, Bachelor of Science (B.S.) with a concentration in financial engineering.
Tuition and Financial Aid
Students should expect to pay about the same for a fintech bachelor’s degree as they would pay for any undergraduate degree in the United States. According to US News, the average annual tuition cost for an in-state degree at a public university is $10,662. Tuition at an out-of-state public university costs $23,630 per year. In-state education at a private university costs $42,162 per year.
The annual, full-time tuition cost for the New Jersey Institute of Technology is $15,616 for residents of New Jersey and $32,528 for out-of-state students.
For Virginia Commonwealth University, the annual tuition for an in-state student is $12,850, while out-of-state students can expect to pay $34,744 per year.
Creighton University charges a flat fee of $45,000 per year.
Financial aid and scholarships are a few of the key ways to offset the cost of a four-year fintech degree.
Financial Aid and Scholarships
Qualifying students can reduce tuition costs through various scholarships and financial aid programs. Eligibility can be based on financial need or academic achievement. At Seton Hall, “Generally, the higher a student’s academic standing, the higher the scholarship award.” Seton Hall lists more than a dozen scholarships on their website, for awards ranging from $1,000 to $20,000 per year.
Students should apply for a scholarship before January 15th. Seton Hall also recommends that students “Visit some college scholarship web search services like that offered by the College Board, FastWeb.com or FinAid.org”
All university students in the United States can apply for federally subsidized financial aid and loans via the FAFSA program. The maximum FAFSA grant is $4,000, awarded annually, while the average student receives $670.
The New Jersey Institute of Technology claims that “Close to 80 percent of all our undergrad students receive some form of financial aid as well as 92 percent of our first-time incoming first-year students and transfer students. Our office provides more than $100 million in financial assistance to our students.”
Before applying to any university with an undergraduate degree in fintech, prospective students should check with the institution to find out what financial aid opportunities are available.
Fintech Career Outlook
The job prospects for fintech professionals are excellent. Fintech is one of the fastest-growing fields in the United States, and employers are struggling to fill all of their vacancies with qualified candidates. According to Fintech Futures, “The global fintech market is predicted to grow at a rate of almost 25 percent annually over the next couple of years.”
According to ZipRecruiter, “The number of fintech jobs in ZipRecruiter’s employment marketplace has doubled each year since 2016.” Furthermore, the average salary for a fintech professional based on the top 10 job listings on ZipRecruiter is $82,072 per year.
One specific example of an opportunity available in fintech is from Atlanta. According to the Georgia Fintech Academy,
- 70 percent of all credit, debit, and gift card swipes are processed through a Georgia company
- Georgia’s fintech industry has an estimated need for 5,000 fintech-ready professionals by 2021 and 2,000 annually after 2023
- Salaries for certain positions in this field can reach six figures just out of college!
As distributed ledger technology becomes more popular, there will be even more opportunities for fintech professionals with blockchain experience will have even more opportunities. For example, in 2020, PayPal hired a group of blockchain engineers before enabling Bitcoin purchases later in the year.
What other companies are integrating blockchain and cryptocurrencies into their business model? Imagine the demand for blockchain-certified fintech professionals if/when major entities like the USA and the EU release Central Bank Digital Currencies. Already high, the number of fintech positions will only increase as governments, organizations, and companies update their financial systems to 21st-century standards.
Frequently Asked Questions
A Bachelor’s in FinTech offers a unique blend of financial expertise and technological skills, making graduates highly sought-after in the finance industry. It equips students to navigate the digital transformation of financial services.
The program typically covers subjects such as financial management, programming, blockchain technology, data analytics, and cybersecurity, providing a well-rounded understanding of the FinTech landscape.
Graduates can explore diverse career paths, including roles in digital banking, financial analysis, blockchain development, financial consulting, and more. The FinTech industry is known for its wide range of career opportunities.
Yes, the program is designed for students from various backgrounds. While a foundational understanding of finance or technology may be beneficial, the curriculum is structured to accommodate learners with diverse academic experiences.
Graduates can explore diverse career paths, including roles in digital banking, financial analysis, blockchain development, financial consulting, and more. The FinTech industry is known for its wide range of career opportunities.
Bachelor’s in Fintech School Listings
Arizona State University
Tempe, ArizonaProgram: Financial Technology, BS
Delivery method: Campus
Total tuition: $53,400 in-state | $140,280 out-of-state
2024/2025 Cost per credit: $445 in-state | $1,169 out-of-state
Credits: 120
Learn more: Program detailsAugustana University
Sioux Falls, South DakotaProgram: Financial Technology (FinTech) Major
Delivery method: Campus
Total tuition: $156,360
2024/2025 Cost per credit: $1,303
Credits: 120
Learn more: Program detailsCreighton University
Omaha, NebraskaProgram: Bachelor of Science in FinTech
Delivery method: Campus
Total tuition: $187,264
2024/2025 Cost per credit: $1,463
Credits: 128
Learn more: Program detailsCUNY Queens College
Flushing, New YorkProgram: BBA in Finance, Fintech Concentration
Delivery method: Campus
Total tuition: $34,680 in-state | $74,400 out-of-state
2024/2025 Cost per credit: $289 in-state | $620 out-of-state
Credits: 120
Learn more: Program detailsFordham University
Bronx, New YorkProgram: BS in Finance, FinTech Concentration
Delivery method: Campus
Total tuition: $251,968
2024/2025 Cost per credit: $2,032
Credits: 124
Learn more: Program detailsJames Madison University
Harrisonburg, VirginiaProgram: BBA in Finance, Financial Technology and Analytics Concentration
Delivery method: Campus
Total tuition: $48,960 in-state | $126,360 out-of-state
2024/2025 Cost per credit: $408 in-state | $1,053 out-of-state
Credits: 120
Learn more: Program detailsMissouri State University-Springfield
Springfield, MissouriProgram: BS in Finance, Fintech Track
Delivery method: Campus
Total tuition: $33,480 in-state | $68,640 out-of-state
2024/2025 Cost per credit: $279 in-state | $572 out-of-state
Credits: 120
Learn more: Program detailsNew Jersey Institute of Technology
Newark, New JerseyProgram: Bachelor's in Financial Technology
Delivery method: Campus
Total tuition: $65,280 in-state | $136,080 out-of-state
2024/2025 Cost per credit: $544 in-state | $1,134 out-of-state
Credits: 120
Learn more: Program detailsNortheastern University
Boston, MassachusettsProgram: BS in International Business, FinTech Concentration
Delivery method: Campus
Total tuition: $259,968
2024/2025 Cost per credit: $2,031
Credits: 128
Learn more: Program detailsQuinnipiac University
Hamden, ConnecticutProgram: BS Financial Technology (FinTech)
Delivery method: Campus
Total tuition: $210,694
2024/2025 Cost per credit: $1,727
Credits: 122
Learn more: Program detailsSeton Hall University
South Orange, New JerseyProgram: Bachelor of Science in Finance and Technology
Delivery method: Campus
Total tuition: $201,480
2024/2025 Cost per credit: $1,679
Credits: 120
Learn more: Program detailsSouth Georgia College
Douglas, GeorgiaProgram: Bachelor of Science in Management, FinTech Option
Delivery method: Online
Total tuition: $23,880
2024/2025 Cost per credit: $199
Credits: 120
Learn more: Program detailsUniversity of Connecticut
Storrs, ConnecticutProgram: Financial Technology Major
Delivery method: Campus
Total tuition: $68,040 in-state | $158,760 out-of-state
2024/2025 Cost per credit: $567 in-state | $1,323 out-of-state
Credits: 120
Learn more: Program detailsUniversity of Missouri-St Louis
St. Louis, MissouriProgram: BSBA, Finance Emphasis: Financial Technology Track
Delivery method: Campus
Total tuition: $68,160 in-state | $158,040 out-of-state
2024/2025 Cost per credit: $568 in-state | $1,317 out-of-state
Credits: 120
Learn more: Program detailsUniversity of North Florida
Jacksonville, FloridaProgram: Bachelor of Science in Computing and Information Sciences with a concentration in Financial Technology (FinTech)
Delivery method: Campus
Total tuition: $21,000 in-state | $78,600 out-of-state
2024/2025 Cost per credit: $175 in-state | $655 out-of-state
Credits: 120
Learn more: Program detailsUniversity of Rhode Island
Kingston, Rhode IslandProgram: BSBA in Finance, FinTech Track
Delivery method: Campus
Total tuition: $67,440 in-state | $147,360 out-of-state
2024/2025 Cost per credit: $562 in-state | $1,228 out-of-state
Credits: 120
Learn more: Program detailsVirginia Commonwealth University
Richmond, VirginiaProgram: Bachelor or Science in Financial Technology
Delivery method: Campus
Total tuition: $66,912 in-state | $159,531 out-of-state
2024/2025 Cost per credit: $544 in-state | $1,297 out-of-state
Credits: 123
Learn more: Program detailsVirginia Tech
Blacksburg, VirginiaProgram: Bachelor of Science in Business in Finance, FinTech and Big Data Analytics Major
Delivery method: Campus
Total tuition: $52,560 in-state | $137,400 out-of-state
2024/2025 Cost per credit: $438 in-state | $1,145 out-of-state
Credits: 120
Learn more: Program detailsWorcester Polytechnic Institute
Worcester, MassachusettsProgram: Bachelor of Science in Financial Technology (FinTech)
Delivery method: Campus
Total tuition: $238,800
2024/2025 Cost per credit: $1,990
Credits: 120
Learn more: Program details