We just posted a course on the freeCodeCamp.org YouTube channel that will teach you everything you need to know to pass the certification exam. Andrew Brown from ExamPro developed this course.

Here are the topics covered in this exam:

• Accelerated computing use cases

• AI, machine learning, and deep learning

• GPU architecture

• NVIDIA’s software suite

• Infrastructure and operation considerations for adopting NVIDIA solutions

Watch the full course on the freeCodeCamp.org YouTube channel (4-hour watch).

Each chapter includes hundreds of interactive tasks designed to help you take your first steps in learning Chinese with confidence.

How Does the New A1 Professional Chinese Curriculum Work?

In this A1 Professional Chinese Curriculum, you'll learn the building blocks of the Chinese language. This will follow the A1 level of the Common European Framework of Reference (CEFR). And we've focused on vocabulary that is particularly useful for professional settings.

The curriculum is broken down into several modules that include warm-up, learning, practice, review pages, and quizzes to make sure that you truly understand the material before moving onto the next module.

The Warm-up serves as preparation and provides context for the main content of the module.

The tasks in the warm-up will either introduce you to new vocabulary for the first time, or review content you have already learned that will be used in the current module.

Below is an example of what you will find in the lessons.

Each task will have an accompanying question that will help you practice the content. If you don’t know how to answer a question or need more details, you can check the explanation section.

After the Warm-up, you'll head over to Learn. This is where you'll see the new words you've learned in action! You'll listen to short sections of monologues or dialogues and answer questions about them to make sure you understand their meaning and how they're used in real conversations. This is also where you’ll learn some theory when needed.

The curriculum also has fill-in-the-blank questions that will help you practice writing using Pinyin and Hanzi.

After Learn, you'll move on to Practice where you'll complete more open-ended tasks that test your comprehension and your ability to write using Pinyin and Hanzi.

At the end of each module, there is a Review section with grammar highlights and a glossary of the main points and concepts covered. You can use these review pages to help you study for the quizzes.

The last portion of the module is the Quiz. Quizzes are designed to test your understanding from the material covered in the module.

Throughout the certification, each chapter will have these quizzes. You’ll need to complete them in order to qualify for the exam at the end of the certification.

The certification exam will be the final item released for this certification. We are currently publishing the first three chapters, and future chapters will be released progressively as they are developed by our instructional design team. Once all the chapters are available, we will release the certification exam.

Contributors recognition

We'd like to shout out to the following contributors for their help in developing the curriculum:

• Krzysztof G.

• Chen Guo Zheng

• Steven Ding

We'd like to extend a special thanks to S1ng S1ng, who has recorded the monologues and dialogues audios, and has also recorded instructional videos that vividly demonstrate Pinyin pronunciation. These Pinyin videos will be gradually added to the curriculum throughout the coming year.

Frequently Asked Questions

Is all of this really free?

Yes. freeCodeCamp has always been free, and we've now offered free verified certifications for more than a decade.

Can I study the Chinese curriculum in languages other than English?

We aim to make every course available in all supported languages on freeCodeCamp. Check your account settings to see if the course you are studying is already offered in your preferred language.

What language skills does the Chinese curriculum cover?

The languages courses currently cover listening, reading and writing. We have plans of adding speaking later on.

Are the audio in the language courses and exams recorded by native language speakers?

Yes. All the audios present in the language courses were recorded by native speakers of that language.

I am Deaf or hard of hearing. Can I still study the language courses?

Yes! All audio lesson have closed captions and transcripts available for reading.

I am blind or have limited vision, and use a screen reader. Can I still study the language courses?

Yes! freeCodeCamp courses are designed to be accessible, and you can study the language courses using a screen reader. If you run into any accessibility issues, you can report them on our GitHub repository so the community can address them.

What are the letters and numbers beside the curriculum names? (For example: A1, A2, B1)

These labels refer to the CEFR levels, which is an international framework used to describe language proficiency. A1 and A2 represent beginner levels, B1 and B2 represent intermediate levels, and C1 and C2 represent advanced levels. Each level indicates the skills and knowledge you are expected to have at that stage of your language learning journey.

Anything else?

Good luck working through freeCodeCamp’s languages coursework.

Happy learning!

Each certification is filled with hundreds of hours worth of interactive lessons, workshops, labs, and quizzes.

How Does the New Relational Databases Certification Work?

The new Relational Databases certification will teach you core concepts including Bash scripting, SQL, Git, and more.

The certification is broken down into several modules that include lessons, workshops, labs, review pages, and quizzes to ensure that you truly understand the material before moving onto the next module.

The lessons are your first exposure to new concepts. They provide crucial theory and context for how things work in the software development industry.

At the end of each lesson, there will be three comprehension check questions to test your understanding of the material from the lesson.

After the lesson blocks, you will do the workshops. These workshops are guided step-based projects that provide you with an opportunity to practice what you have learned in the lessons.

These workshops will not be done inside the regular freeCodeCamp editor in the browser. Instead you will need to do these workshops in one of three environments:

• GitHub Codespaces: This course runs in a virtual Linux machine using GitHub Codespaces.

• Your own local environment: This course runs in a virtual Linux machine on your computer.

• Ona: This course runs in a virtual Linux machine using Ona.

After the workshop, you will complete a lab which will help you review what you have learned so far. This will give you chance to start building projects on your own, which is a crucial skill for a developer. You will be presented with a list of users stories and will need to pass the tests to complete the lab.

At the end of each module, there is a review page containing a list of all of the concepts covered. You can use these review pages to help you study for the quizzes.

The last portion of the module is the quiz. This is a 20 question multiple choice quiz designed to test your understanding from the material covered in the module. You will need to get 18 out of 20 correct to pass.

Throughout the certification, there will be five certification projects you will need to complete in order to qualify for the exam.

Once you’ve completed all 5 certification projects, you’ll be able to take the 50 question exam using our new open source exam environment. The freeCodeCamp community designed this exam environment tool with two goals: respecting your privacy while also making it harder for people to cheat.

Once you download the app to your laptop or desktop, you can take the exam.

Frequently Asked Questions

Is all of this really free?

Yes. freeCodeCamp has always been free, and we’ve now offered free verified certifications for more than a decade. These exams are just the latest expansion to our community’s free learning resources.

What prevents people from just cheating on the exams?

Our goal is to strike a balance between preventing cheating and respecting people's right to privacy.

We've implemented a number of reliable, yet non-invasive, measures to help prevent people from cheating on freeCodeCamp's exams:

1. For each exam, we have a massive bank of questions and potential answers to those questions. Each time a person attempts an exam, they'll see only a small, randomized sampling of these questions.

2. We only allow people to attempt an exam one time per week. This reduces their ability to "brute force" the exam.

3. We have security in place to validate exam submissions and prevent man-in-the-middle attacks or manipulation of the exam environment.

4. We manually review each passing exam for evidence of cheating. Our exam environment produces tons of metrics for us to draw from.

We take cheating, and any form of academic dishonesty, seriously. We will act decisively.

This said, no one's exam results will be thrown out without human review, and no one's account will be banned without warning based on a single suspicious exam result.

Are these exams “open book” or “closed book”?

All of freeCodeCamp’s exams are “closed book”, meaning you must rely only on your mind and not outside resources.

Of course, in the real world you’ll be able to look things up. And in the real world, we encourage you to do so.

But that is not what these exams are evaluating. These exams are instead designed to test your memory of details and your comprehension of concepts.

So when taking these exams, do not use outside assistance in the form of books, notes, AI tools, or other people. Use of any of these will be considered academic dishonesty.

Do you record my webcam, microphone, or require me to upload a photo of my personal ID?

No. We considered adding these as additional test-taking security measures. But we have less privacy-invading methods of detecting most forms of academic dishonesty.

If the environment is open source, doesn't that make it less secure?

"Given enough eyeballs, all bugs are shallow." – Linus’s Law, formulated by Eric S. Raymond in his book The Cathedral and the Bazaar

Open source software projects are often more secure than their closed source equivalents. This is because a lot more people are scrutinizing the code. And a lot more people can potentially help identify bugs and other deficiencies, then fix them.

We feel confident that open source is the way to go for this exam environment system.

How can I contribute to the Exam Environment codebase?

It's fully open source, and we'd welcome your code contributions. Please read our general contributor onboarding documentation.

Then check out the GitHub repo.

You can help by creating issues to report bugs or request features.

You can also browse open help wanted issues and attempt to open pull requests addressing them.

Are the exam questions themselves open source?

For obvious exam security reasons, the exam question banks themselves are not publicly accessible. :)

These are built and maintained by freeCodeCamp's staff instructional designers.

What happens if I have internet connectivity issues mid-exam?

If you have internet connectivity issues mid exam, the next time you try submit an answer, you’ll be told there are connectivity issues. The system will keep prompting you to retry submitting until the connection succeeds.

What if my computer crashes mid-exam?

If your computer crashes mid exam, you’ll be able to re-open the Exam Environment. Then, if you still have time left for your exam attempt, you’ll be able to continue from where you left off.

Can I take exams in languages other than English?

Not yet. We’re working to add multi-lingual support in the future.

I have completed my exam. Why can't I see my results yet?

All exam attempts are reviewed by freeCodeCamp staff before we release the results. We do this to ensure the integrity of the exam process and to prevent cheating. Once your attempt has been reviewed, you'll be notified of your results the next time you log in to freeCodeCamp.org.

I am Deaf or hard of hearing. Can I still take the exams?

Yes! While some exams may include audio components, we do make written transcripts available for reading.

I am blind or have limited vision, and use a screen reader. Can I still take the exams?

We’re working on it. Our curriculum is fully screen reader accessible. We're still refining our screen reader usability for the Exam Environment app. This is a high priority for us.

I use a keyboard instead of a mouse. Can I navigate the exams using just a keyboard?

This is a high priority for us. We hope to add keyboard navigation to the Exam Environment app soon.

Are exams timed?

Yes, exams are timed. We err on the side of giving plenty of time to take the exam, to account for people who are non-native English speakers, or who have ADHD and other learning differences that can make timed exams more challenging.

If you have a condition that usually qualifies you for extra time on standardized exams, please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

What happens if I fail the exam? Can I retake it?

Yes. You get one exam attempt per week. After you attempt an exam, there is a one-week (exactly 168 hour) “cool-down” period where you cannot take any freeCodeCamp exams. This is to encourage you to study and to pace yourself.

There is no limit to the number of times you can take an exam. So if you fail, study more, practice your skills more, then try again the following week.

Do I need to redo the projects if I fail the exam?

No. Once you’ve submitted a certification project, you do not need to ever submit it again.

You can re-do projects for practice, but we recommend that you instead build some of our many practice projects in freeCodeCamp’s developer interview job search section.

What happens if I already have the old Legacy Responsive Web Design certification? Should I claim the new one?

The new certification has more theory and practice as well as an exam. So if you’re looking to brush up on your skills, then you can go through the new version of this certification.

What will happen to my existing coursework progress on the Full Stack Certification? Does it transfer over to the Responsive Web Design course?

If you’ve already started the Certified Full Stack Developer Curriculum, all of your previously completed work should already be saved there.

To be clear, we’ve copied over all of the coursework from the full stack certification to this newer certification.

Can I still continue with the current Full Stack Developer Certification and just not do the new certification?

We’ve moved the coursework for the Full Stack Developer Certification over and broken it up into smaller certifications. Currently there are seven courses available for you to go through. Here is the complete list:

• Responsive Web Design Certification

• JavaScript Certification

• Frontend Libraries Certification

• Python Certification

• Relational Databases Certification

• Backend JavaScript Certification

• Certified Full Stack Developer Certification

The Certified Full Stack Developer Certification button will remain on the learn page for a short time to give people the opportunity to switch over to the new certifications. Over the next few months, though, this option will disappear.

Will my legacy certifications become invalid?

No. Once you claim a certification, it’s yours to keep.

Also note that we previously announced that freeCodeCamp certifications would have an expiration date and require recertification. We don’t plan to implement this anytime soon. And if we do decide to, we will give everyone at least a year’s notice.

Will the exam be available to take on my phone?

At this time, no. You’ll need to use a laptop or desktop to download the exam environment and take the exam. We hope to eventually offer these certification exams on iPhone and Android.

I have a disability or health condition that is not covered here. How can I request accommodations?

If you need specific accommodations for the exam (for example extra time, breaks, or alternative formats), please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

Anything else?

Good luck working through freeCodeCamp’s coursework, building projects, and preparing for these exams.

Happy coding!

How Does the B1 English for Developers Certification Work?

This Intermediate level English for Developers Curriculum will help you strengthen the foundational skills developed in the A2 English for developers certification while introducing more complex grammar and expanding on work-related topics.

This entire curriculum will follow the B1 level of the Common European Framework of Reference (CEFR). And, as always, we've focused on vocabulary that is particularly useful for developers.

You'll learn how to describe places and things, share past experiences, and confidently use tenses like Present Perfect and Future. Practical communication strategies are included as well, such as managing conversations, expressing opinions, and building agreement or disagreement in discussions.

You'll also practice vocabulary and phrases essential for developers, such as describing code, participating in meetings, and discussing tech trends. Advanced topics include conditionals, comparative structures, and conversation management, so you can prepare for more complex interactions.

This entire B1-level curriculum includes 73 different dialogues recorded by native English speakers. Each section follows a unique theme, contains several dialogues, and is filled with hundreds of interactive tasks that will help you develop your English skills.

These tasks will introduce new vocabulary, teach grammar, or review concepts that you’ll need to know in order to understand what the characters from the dialogues are saying. Each task will have an accompanying question that will help you practice the content.

The curriculum also has fill-in-the-blank questions that will help you practice writing in English.

Once you’ve completed the certification, you’ll be able to take the B1 English for Developers exam. This exam contains 54 grammar questions, 24 listening questions, and 9 reading questions. All the questions are based on what’s covered in the certification course.

You can take the exam by using our new open source exam environment. The freeCodeCamp community designed this exam environment tool with two goals in mind: respecting your privacy while also making it harder for people to cheat.

Once you download the app to your laptop or desktop, you can take the exam.

Frequently Asked Questions

Is all of this really free?

Yes. freeCodeCamp has always been free, and we’ve now offered free verified certifications for more than a decade. These exams are just the latest expansion to our community’s free learning resources.

Can I study the certification courses in languages other than English?

We aim to make every course available in all supported languages on freeCodeCamp. Check your account settings to see if the course you are studying is already offered in your preferred language.

What language skills does the curriculum cover?

The languages courses currently cover listening, reading, and writing. We have plans to add speaking later on.

Are the audio in the language courses and exams recorded by native language speakers?

Yes. All the audios present in the language courses were recorded by native speakers of that language.

I am Deaf or hard of hearing. Can I still study the language courses?

Yes! All audio lesson have closed captions and transcripts available for reading.

I am blind or have limited vision, and use a screen reader. Can I still study the language courses?

Yes! freeCodeCamp courses are designed to be accessible, and you can study the language courses using a screen reader. If you run into any accessibility issues, you can report them on our GitHub repository so the community can address them.

What are the letters and numbers beside the certification name? (For example: A1, A2, B1)

These labels refer to the CEFR levels, which is an international framework used to describe language proficiency. A1 and A2 represent beginner levels, B1 and B2 represent intermediate levels, and C1 and C2 represent advanced levels.

Each level indicates the skills and knowledge you are expected to have at that stage of your language learning journey.

What prevents people from just cheating on the exams?

Our goal is to strike a balance between preventing cheating and respecting people's right to privacy.

We've implemented a number of reliable, yet non-invasive, measures to help prevent people from cheating on freeCodeCamp's exams:

1. For each exam, we have a massive bank of questions and potential answers to those questions. Each time a person attempts an exam, they'll see only a small, randomized sampling of these questions.

2. We only allow people to attempt an exam one time per week. This reduces their ability to "brute force" the exam.

3. We have security in place to validate exam submissions and prevent man-in-the-middle attacks or manipulation of the exam environment.

4. We manually review each passing exam for evidence of cheating. Our exam environment produces tons of metrics for us to draw from.

We take cheating, and any form of academic dishonesty, seriously. We will act decisively.

This said, no one's exam results will be thrown out without human review, and no one's account will be banned without warning based on a single suspicious exam result.

Are these exams “open book” or “closed book”?

All of freeCodeCamp’s exams are “closed book”, meaning you must rely only on your mind and not outside resources.

Of course, in the real world you’ll be able to look things up. And in the real world, we encourage you to do so.

But that is not what these exams are evaluating. These exams are instead designed to test your memory of details and your comprehension of concepts.

So when taking these exams, do not use outside assistance in the form of books, notes, AI tools, or other people. Use of any of these will be considered academic dishonesty.

Do you record my webcam, microphone, or require me to upload a photo of my personal ID?

No. We considered adding these as additional test-taking security measures. But we have less privacy-invading methods of detecting most forms of academic dishonesty.

If the environment is open source, doesn't that make it less secure?

"Given enough eyeballs, all bugs are shallow." – Linus’s Law, formulated by Eric S. Raymond in his book The Cathedral and the Bazaar

Open source software projects are often more secure than their closed source equivalents. This is because a lot more people are scrutinizing the code. And a lot more people can potentially help identify bugs and other deficiencies, then fix them.

We feel confident that open source is the way to go for this exam environment system.

How can I contribute to the Exam Environment codebase?

It's fully open source, and we'd welcome your code contributions. Please read our general contributor onboarding documentation.

Then check out the GitHub repo.

You can help by creating issues to report bugs or request features.

You can also browse open help wanted issues and attempt to open pull requests addressing them.

Are the exam questions themselves open source?

For obvious exam security reasons, the exam question banks themselves are not publicly accessible. :)

These are built and maintained by freeCodeCamp's staff instructional designers.

What happens if I have internet connectivity issues mid-exam?

If you have internet connectivity issues mid exam, the next time you try to submit an answer, you’ll be told there are connectivity issues. The system will keep prompting you to retry submitting until the connection succeeds.

What if my computer crashes mid-exam?

If your computer crashes mid exam, you’ll be able to re-open the Exam Environment. Then, if you still have time left for your exam attempt, you’ll be able to continue from where you left off.

Can I take exams in languages other than English?

Not yet. We’re working to add multi-lingual support in the future.

I have completed my exam. Why can't I see my results yet?

All exam attempts are reviewed by freeCodeCamp staff before we release the results. We do this to ensure the integrity of the exam process and to prevent cheating. Once your attempt has been reviewed, you'll be notified of your results the next time you log in to freeCodeCamp.org.

I use a keyboard instead of a mouse. Can I navigate the exams using just a keyboard?

This is a high priority for us. We hope to add keyboard navigation to the Exam Environment app soon.

Are exams timed?

Yes, exams are timed. We err on the side of giving plenty of time to take the exam, to account for people who are non-native English speakers, or who have ADHD and other learning differences that can make timed exams more challenging.

If you have a condition that usually qualifies you for extra time on standardized exams, please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

What happens if I fail the exam? Can I retake it?

Yes. You get one exam attempt per week. Afterward, if you don’t pass, there is a one-week (exactly 168 hour) “cool-down” period where you cannot take any freeCodeCamp exams. This is to encourage you to study and to pace yourself.

There is no limit to the number of times you can take an exam. So if you fail, study more, practice your skills more, then try again the following week.

Will the exam be available to take on my phone?

At this time, no. You’ll need to use a laptop or desktop to download the exam environment and take the exam. We hope to eventually offer these certification exams on iPhone and Android.

I have a disability or health condition that is not covered here. How can I request accommodations?

If you need specific accommodations for the exam (for example extra time, breaks, or alternative formats), please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

Anything else?

Good luck working through freeCodeCamp’s languages coursework and preparing for the exam.

Happy learning!

How Does the New A1 Professional Spanish Curriculum Work?

In this A1 Professional Spanish Curriculum, you'll learn the building blocks of the Spanish language. It follows the A1 level of the Common European Framework of Reference (CEFR). And we've focused on vocabulary that is particularly useful for professional settings.

The curriculum is broken down into several modules that include warm-up, learning, practice, review pages, and quizzes to make sure that you truly understand the material before moving onto the next module.

The warm-up serves as preparation and provides context for the main content of the module.

The tasks in the warm-up will either introduce you to new vocabulary for the first time, or review content you have already learned that will be used in the current module.

Below is an example of what you will find in the lessons:

Each task will have an accompanying question that will help you practice the content. If you don’t know how to answer a question or need more details, you can check the explanation section below the question.

After the warm-up, you’ll head over to Learn. This is where you’ll see the new words you’ve learned in action! You'll listen to short sections of monologues or dialogues and answer questions about them to make sure you understand their meaning and how they're used in real conversations. This is also where you’ll learn some theory when needed.

The curriculum also has fill-in-the-blank questions that will help you practice writing in Spanish.

After Learn, you’ll move on to Practice where you'll complete more open-ended tasks that test your comprehension and your ability to write in Spanish.

At the end of each module, there is a Review section with grammar highlights and a glossary of the main points and concepts covered. You can use these review pages to help you study for the quizzes.

The last portion of the module is the Quiz. Quizzes are designed to test your understanding from the material covered in the module.

Throughout the certification, each chapter will have these quizzes. You’ll need to complete them in order to qualify for the exam at the end of the certification.

The certification exam will be the final item released for this certification. We are currently publishing the first three chapters, and future chapters will be released progressively as they are developed by our instructional design team. Once all the chapters are available, we will release the certification exam.

Frequently Asked Questions

Is all of this really free?

Yes. freeCodeCamp has always been free, and we’ve now offered free verified certifications for more than a decade.

Can I study the Spanish curriculum in languages other than English?

We aim to make every course available in all supported languages on freeCodeCamp. Check your account settings to see if the course you are studying is already offered in your preferred language.

What language skills does the Spanish curriculum cover?

The languages courses currently cover listening, reading, and writing. We have plans to add speaking later on.

Are the audio in the language courses and exams recorded by native language speakers?

Yes. All the audio lessons present in the language courses were recorded by native speakers of that language.

I am Deaf or hard of hearing. Can I still study the language courses?

Yes! All audio lesson have closed captions and transcripts available for reading.

I am blind or have limited vision, and use a screen reader. Can I still take the language courses?

Yes! freeCodeCamp courses are designed to be accessible, and you can take the language courses using a screen reader. If you run into any accessibility issues, you can report them on our GitHub repository so the community can address them.

What are the letters and numbers after the curriculum name? (For example: A1, A2, B1)

These labels refer to the CEFR levels, which is an international framework used to describe language proficiency. A1 and A2 represent beginner levels, B1 and B2 represent intermediate levels, and C1 and C2 represent advanced levels. Each level indicates the skills and knowledge you are expected to have at that stage of your language learning journey.

Anything else?

Good luck working through freeCodeCamp’s languages coursework.

Happy learning!

How Does the A2 English for Developers Certification Work?

In this English for Developers Certification, you'll learn the essentials of English communication. This will follow the A2 level of the Common European Framework of Reference (CEFR). And we've focused on vocabulary that is particularly useful for developers.

The first half of the curriculum will help you get comfortable with English grammar and usage. It will give you tons of hands-on practice. You'll learn basics like introducing yourself, making small talk, and discussing your work.

In the second half, you'll practice vocabulary specific to software development. You'll learn how to describe code, discuss tech trends, and participate in meetings.

Each section in this curriculum follows a unique theme, contains several dialogues, and is filled with hundreds of interactive tasks that will help you develop your English skills.

These tasks will introduce new vocabulary, teach grammar, or review concepts that you’ll need to know in order to understand what the characters from the dialogues are saying.

Each task will have an accompanying question that will help you practice the content.

The curriculum also has fill-in-the-blank questions that will help you practice writing in English.

This entire A2-level curriculum includes 105 different dialogues recorded by native English speakers. Each dialogue is designed to build your vocabulary and boost your confidence when speaking in a professional tech setting.

Once you’ve completed the certification, you’ll be able to take the A2 English for Developers exam. This exam contains 48 grammar questions, 36 listening questions, and 24 reading questions. All the questions are based on what’s covered in the certification course.

You can take the exam by using our new open source exam environment. The freeCodeCamp community designed this exam environment tool with two goals: respecting your privacy while also making it harder for people to cheat.

Once you download the app to your laptop or desktop, you can take the exam.

Frequently Asked Questions

Is all of this really free?

Yes. freeCodeCamp has always been free, and we’ve now offered free verified certifications for more than a decade. These exams are just the latest expansion to our community’s free learning resources.

Can I study the certification courses in languages other than English?

We aim to make every course available in all supported languages on freeCodeCamp. Check your account settings to see if the course you are studying is already offered in your preferred language.

What language skills does the curriculum cover?

The languages courses currently cover listening, reading, and writing. We have plans to add speaking later on.

Are the audio in the language courses and exams recorded by native language speakers?

Yes. All the audios present in the language courses were recorded by native speakers of that language.

I am Deaf or hard of hearing. Can I still study the language courses?

Yes! All audio lesson have closed captions and transcripts available for reading.

I am blind or have limited vision, and use a screen reader. Can I still study the language courses?

Yes! freeCodeCamp courses are designed to be accessible, and you can study the language courses using a screen reader. If you run into any accessibility issues, you can report them on our GitHub repository so the community can address them.

What are the letters and numbers beside the certification name? (For example: A1, A2, B1)

These labels refer to the CEFR levels, which is an international framework used to describe language proficiency. A1 and A2 represent beginner levels, B1 and B2 represent intermediate levels, and C1 and C2 represent advanced levels.

Each level indicates the skills and knowledge you are expected to have at that stage of your language learning journey.

What prevents people from just cheating on the exams?

Our goal is to strike a balance between preventing cheating and respecting people's right to privacy.

We've implemented a number of reliable, yet non-invasive, measures to help prevent people from cheating on freeCodeCamp's exams:

1. For each exam, we have a massive bank of questions and potential answers to those questions. Each time a person attempts an exam, they'll see only a small, randomized sampling of these questions.

2. We only allow people to attempt an exam one time per week. This reduces their ability to "brute force" the exam.

3. We have security in place to validate exam submissions and prevent man-in-the-middle attacks or manipulation of the exam environment.

4. We manually review each passing exam for evidence of cheating. Our exam environment produces tons of metrics for us to draw from.

We take cheating, and any form of academic dishonesty, seriously. We will act decisively.

This said, no one's exam results will be thrown out without human review, and no one's account will be banned without warning based on a single suspicious exam result.

Are these exams “open book” or “closed book”?

All of freeCodeCamp’s exams are “closed book”, meaning you must rely only on your mind and not outside resources.

Of course, in the real world you’ll be able to look things up. And in the real world, we encourage you to do so.

But that is not what these exams are evaluating. These exams are instead designed to test your memory of details and your comprehension of concepts.

So when taking these exams, do not use outside assistance in the form of books, notes, AI tools, or other people. Use of any of these will be considered academic dishonesty.

Do you record my webcam, microphone, or require me to upload a photo of my personal ID?

No. We considered adding these as additional test-taking security measures. But we have less privacy-invading methods of detecting most forms of academic dishonesty.

If the environment is open source, doesn't that make it less secure?

"Given enough eyeballs, all bugs are shallow." – Linus’s Law, formulated by Eric S. Raymond in his book The Cathedral and the Bazaar

Open source software projects are often more secure than their closed source equivalents. This is because a lot more people are scrutinizing the code. And a lot more people can potentially help identify bugs and other deficiencies, then fix them.

We feel confident that open source is the way to go for this exam environment system.

How can I contribute to the Exam Environment codebase?

It's fully open source, and we'd welcome your code contributions. Please read our general contributor onboarding documentation.

Then check out the GitHub repo.

You can help by creating issues to report bugs or request features.

You can also browse open help wanted issues and attempt to open pull requests addressing them.

Are the exam questions themselves open source?

For obvious exam security reasons, the exam question banks themselves are not publicly accessible. :)

These are built and maintained by freeCodeCamp's staff instructional designers.

What happens if I have internet connectivity issues mid-exam?

If you have internet connectivity issues mid exam, the next time you try to submit an answer, you’ll be told there are connectivity issues. The system will keep prompting you to retry submitting until the connection succeeds.

What if my computer crashes mid-exam?

If your computer crashes mid exam, you’ll be able to re-open the Exam Environment. Then, if you still have time left for your exam attempt, you’ll be able to continue from where you left off.

Can I take exams in languages other than English?

Not yet. We’re working to add multi-lingual support in the future.

I have completed my exam. Why can't I see my results yet?

All exam attempts are reviewed by freeCodeCamp staff before we release the results. We do this to ensure the integrity of the exam process and to prevent cheating. Once your attempt has been reviewed, you'll be notified of your results the next time you log in to freeCodeCamp.org.

I use a keyboard instead of a mouse. Can I navigate the exams using just a keyboard?

This is a high priority for us. We hope to add keyboard navigation to the Exam Environment app soon.

Are exams timed?

Yes, exams are timed. We err on the side of giving plenty of time to take the exam, to account for people who are non-native English speakers, or who have ADHD and other learning differences that can make timed exams more challenging.

If you have a condition that usually qualifies you for extra time on standardized exams, please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

What happens if I fail the exam? Can I retake it?

Yes. You get one exam attempt per week. Afterward, if you don’t pass, there is a one-week (exactly 168 hour) “cool-down” period where you cannot take any freeCodeCamp exams. This is to encourage you to study and to pace yourself.

There is no limit to the number of times you can take an exam. So if you fail, study more, practice your skills more, then try again the following week.

Will the exam be available to take on my phone?

At this time, no. You’ll need to use a laptop or desktop to download the exam environment and take the exam. We hope to eventually offer these certification exams on iPhone and Android.

I have a disability or health condition that is not covered here. How can I request accommodations?

If you need specific accommodations for the exam (for example extra time, breaks, or alternative formats), please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

Anything else?

Good luck working through freeCodeCamp’s languages coursework and preparing for the exam.

Happy learning!

Each certification is filled with hundreds of hours worth of interactive lessons, workshops, labs, and quizzes.

How Does the New JavaScript Certification Work?

The new JavaScript certification will teach you core concepts including variables, functions, loops, objects, higher order functions, DOM manipulation, working with events, asynchronous JavaScript, and more.

The certification is broken down into several modules that include lessons, workshops, labs, review pages, and quizzes to ensure that you truly understand the material before moving onto the next module.

The lessons are your first exposure to new concepts. They provide crucial theory and context for how things work in the software development industry.

These lessons include our new interactive editor so you can see previews of the code. You can also play around with the examples for deeper understanding and comprehension.

At the end of each lesson, there will be three comprehension check questions to test your understanding of the material from the lesson.

After the lesson blocks, you will do the workshops. These workshops are guided step-based projects that provide you with an opportunity to practice what you have learned in the lessons.

After the workshops, you will complete a lab which will help you review what you have learned so far. This will give you chance to start building projects on your own, which is a crucial skill for a developer. You will be presented with a list of users stories and will need to pass the tests to complete the lab.

At the end of each module, there is a review page containing a list of all of the concepts covered. You can use these review pages to help you study for the quizzes.

The last portion of the module is the quiz. This is a 20 question multiple choice quiz designed to test your understanding from the material covered in the module. You will need to get 18 out of 20 correct to pass.

Throughout the certification, there will be five certification projects you will need to complete in order to qualify for the exam.

Once you’ve completed all 5 certification projects, you’ll be able to take the 50 question exam using our new open source exam environment. The freeCodeCamp community designed this exam environment tool with two goals: respecting your privacy while also making it harder for people to cheat.

Once you download the app to your laptop or desktop, you can take the exam.

Frequently Asked Questions

Is all of this really free?

Yes. freeCodeCamp has always been free, and we’ve now offered free verified certifications for more than a decade. These exams are just the latest expansion to our community’s free learning resources.

What prevents people from just cheating on the exams?

Our goal is to strike a balance between preventing cheating and respecting people's right to privacy.

We've implemented a number of reliable, yet non-invasive, measures to help prevent people from cheating on freeCodeCamp's exams:

1. For each exam, we have a massive bank of questions and potential answers to those questions. Each time a person attempts an exam, they'll see only a small, randomized sampling of these questions.

2. We only allow people to attempt an exam one time per week. This reduces their ability to "brute force" the exam.

3. We have security in place to validate exam submissions and prevent man-in-the-middle attacks or manipulation of the exam environment.

4. We manually review each passing exam for evidence of cheating. Our exam environment produces tons of metrics for us to draw from.

We take cheating, and any form of academic dishonesty, seriously. We will act decisively.

This said, no one's exam results will be thrown out without human review, and no one's account will be banned without warning based on a single suspicious exam result.

Are these exams “open book” or “closed book”?

All of freeCodeCamp’s exams are “closed book”, meaning you must rely only on your mind and not outside resources.

Of course, in the real world you’ll be able to look things up. And in the real world, we encourage you to do so.

But that is not what these exams are evaluating. These exams are instead designed to test your memory of details and your comprehension of concepts.

So when taking these exams, do not use outside assistance in the form of books, notes, AI tools, or other people. Use of any of these will be considered academic dishonesty.

Do you record my webcam, microphone, or require me to upload a photo of my personal ID?

No. We considered adding these as additional test-taking security measures. But we have less privacy-invading methods of detecting most forms of academic dishonesty.

If the environment is open source, doesn't that make it less secure?

"Given enough eyeballs, all bugs are shallow." – Linus’s Law, formulated by Eric S. Raymond in his book The Cathedral and the Bazaar

Open source software projects are often more secure than their closed source equivalents. This is because a lot more people are scrutinizing the code. And a lot more people can potentially help identify bugs and other deficiencies, then fix them.

We feel confident that open source is the way to go for this exam environment system.

How can I contribute to the Exam Environment codebase?

It's fully open source, and we'd welcome your code contributions. Please read our general contributor onboarding documentation.

Then check out the GitHub repo.

You can help by creating issues to report bugs or request features.

You can also browse open help wanted issues and attempt to open pull requests addressing them.

Are the exam questions themselves open source?

For obvious exam security reasons, the exam question banks themselves are not publicly accessible. :)

These are built and maintained by freeCodeCamp's staff instructional designers.

What happens if I have internet connectivity issues mid-exam?

If you have internet connectivity issues mid exam, the next time you try submit an answer, you’ll be told there are connectivity issues. The system will keep prompting you to retry submitting until the connection succeeds.

What if my computer crashes mid-exam?

If your computer crashes mid exam, you’ll be able to re-open the Exam Environment. Then, if you still have time left for your exam attempt, you’ll be able to continue from where you left off.

Can I take exams in languages other than English?

Not yet. We’re working to add multi-lingual support in the future.

I have completed my exam. Why can't I see my results yet?

All exam attempts are reviewed by freeCodeCamp staff before we release the results. We do this to ensure the integrity of the exam process and to prevent cheating. Once your attempt has been reviewed, you'll be notified of your results the next time you log in to freeCodeCamp.org.

I am Deaf or hard of hearing. Can I still take the exams?

Yes! While some exams may include audio components, we do make written transcripts available for reading.

I am blind or have limited vision, and use a screen reader. Can I still take the exams?

We’re working on it. Our curriculum is fully screen reader accessible. We're still refining our screen reader usability for the Exam Environment app. This is a high priority for us.

I use a keyboard instead of a mouse. Can I navigate the exams using just a keyboard?

This is a high priority for us. We hope to add keyboard navigation to the Exam Environment app soon.

Are exams timed?

Yes, exams are timed. We err on the side of giving plenty of time to take the exam, to account for people who are non-native English speakers, or who have ADHD and other learning differences that can make timed exams more challenging.

If you have a condition that usually qualifies you for extra time on standardized exams, please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

What happens if I fail the exam? Can I retake it?

Yes. You get one exam attempt per week. After you attempt an exam, there is a one-week (exactly 168 hour) “cool-down” period where you cannot take any freeCodeCamp exams. This is to encourage you to study and to pace yourself.

There is no limit to the number of times you can take an exam. So if you fail, study more, practice your skills more, then try again the following week.

Do I need to redo the projects if I fail the exam?

No. Once you’ve submitted a certification project, you do not need to ever submit it again.

You can re-do projects for practice, but we recommend that you instead build some of our many practice projects in freeCodeCamp’s developer interview job search section.

What happens if I already have the old Legacy Responsive Web Design certification? Should I claim the new one?

The new certification has more theory and practice as well as an exam. So if you’re looking to brush up on your skills, then you can go through the new version of this certification.

What will happen to my existing coursework progress on the Full Stack Certification? Does it transfer over to the Responsive Web Design course?

If you’ve already started the Certified Full Stack Developer Curriculum, all of your previously completed work should already be saved there.

To be clear, we’ve copied over all of the coursework from the full stack certification to this newer certification.

Can I still continue with the current Full Stack Developer Certification and just not do the new certification?

We’ve moved the coursework for the Full Stack Developer Certification over and broken it up into smaller certifications. Currently there are seven courses available for you to go through. Here is the complete list:

• Responsive Web Design Certification

• JavaScript Certification

• Frontend Libraries Certification

• Python Certification

• Relational Databases Certification

• Backend JavaScript Certification

• Certified Full Stack Developer Certification

The Certified Full Stack Developer Certification button will remain on the learn page for a short time to give people the opportunity to switch over to the new certifications. Over the next few months, though, this option will disappear.

Will my legacy certifications become invalid?

No. Once you claim a certification, it’s yours to keep.

Also note that we previously announced that freeCodeCamp certifications would have an expiration date and require recertification. We don’t plan to implement this anytime soon. And if we do decide to, we will give everyone at least a year’s notice.

Will the exam be available to take on my phone?

At this time, no. You’ll need to use a laptop or desktop to download the exam environment and take the exam. We hope to eventually offer these certification exams on iPhone and Android.

I have a disability or health condition that is not covered here. How can I request accommodations?

If you need specific accommodations for the exam (for example extra time, breaks, or alternative formats), please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

Anything else?

Good luck working through freeCodeCamp’s coursework, building projects, and preparing for these exams.

Happy coding!

Each certification is filled with hundreds of hours worth of interactive lessons, workshops, labs, and quizzes.

How Does the New RWD Certification Work?

The Responsive Web Design certification will teach you core concepts including semantic HTML, working with forms, the importance of accessibility, CSS Flexbox, responsive design, CSS Grid, and more.

The certification is broken down into several modules that include lessons, workshops, labs, review pages and quizzes to ensure that you truly understand the material before moving onto the next module.

The lessons are your first exposure to new concepts. They provide crucial theory and context for how things work in the software development industry.

These lessons include our new interactive editor so you can see previews of the code. You can also play around with the examples for deeper understanding and comprehension.

At the end of each lesson, there will be three comprehension check questions to test your understanding of the material from the lesson.

After these lessons, you’ll head over to the workshops. These workshops are guided step-based projects that provide you with an opportunity to practice what you have learned in the lessons.

After the workshops, you’ll complete a lab which will help you review what you have learned so far. This will give you the chance to start building projects on your own, which is a crucial skill for a developer. You’ll be presented with a list of user stories and will need to pass the tests to complete the lab.

At the end of each module, there is a review page containing a list of all of the concepts covered. You can use these review pages to help you study for the quizzes.

The last portion of the module is the quiz. This is a 20 question multiple choice quiz designed to test your understanding from the material covered in the module. You’ll need to get 18 out of 20 correct to pass.

Throughout the certification, there will be five certification projects you’ll need to complete in order to qualify for the exam.

Once you’ve completed all 5 certification projects, you’ll be able to take the 50 question exam using our new open source exam environment. The freeCodeCamp community designed this exam environment tool with two goals: respecting your privacy while also making it harder for people to cheat.

Once you download the app to your laptop or desktop, you can take the exam.

Frequently Asked Questions

Is all of this really free?

Yes. freeCodeCamp has always been free, and we’ve now offered free verified certifications for more than a decade. These exams are just the latest expansion to our community’s free learning resources.

What prevents people from just cheating on the exams?

Our goal is to strike a balance between preventing cheating and respecting people's right to privacy.

We've implemented a number of reliable, yet non-invasive, measures to help prevent people from cheating on freeCodeCamp's exams:

1. For each exam, we have a massive bank of questions and potential answers to those questions. Each time a person attempts an exam, they'll see only a small, randomized sampling of these questions.

2. We only allow people to attempt an exam one time per week. This reduces their ability to "brute force" the exam.

3. We have security in place to validate exam submissions and prevent man-in-the-middle attacks or manipulation of the exam environment.

4. We manually review each passing exam for evidence of cheating. Our exam environment produces tons of metrics for us to draw from.

We take cheating, and any form of academic dishonesty, seriously. We will act decisively.

This said, no one's exam results will be thrown out without human review, and no one's account will be banned without warning based on a single suspicious exam result.

Are these exams “open book” or “closed book”?

All of freeCodeCamp’s exams are “closed book”, meaning you must rely only on your mind and not outside resources.

Of course, in the real world you’ll be able to look things up. And in the real world, we encourage you to do so.

But that is not what these exams are evaluating. These exams are instead designed to test your memory of details and your comprehension of concepts.

So when taking these exams, do not use outside assistance in the form of books, notes, AI tools, or other people. Use of any of these will be considered academic dishonesty.

Do you record my webcam, microphone, or require me to upload a photo of my personal ID?

No. We considered adding these as additional test-taking security measures. But we have less privacy-invading methods of detecting most forms of academic dishonesty.

If the environment is open source, doesn't that make it less secure?

"Given enough eyeballs, all bugs are shallow." – Linus’s Law, formulated by Eric S. Raymond in his book The Cathedral and the Bazaar

Open source software projects are often more secure than their closed source equivalents. This is because a lot more people are scrutinizing the code. And a lot more people can potentially help identify bugs and other deficiencies, then fix them.

We feel confident that open source is the way to go for this exam environment system.

How can I contribute to the Exam Environment codebase?

It's fully open source, and we'd welcome your code contributions. Please read our general contributor onboarding documentation.

Then check out the GitHub repo.

You can help by creating issues to report bugs or request features.

You can also browse open help wanted issues and attempt to open pull requests addressing them.

Are the exam questions themselves open source?

For obvious exam security reasons, the exam question banks themselves are not publicly accessible. :)

These are built and maintained by freeCodeCamp's staff instructional designers.

What happens if I have internet connectivity issues mid-exam?

If you have internet connectivity issues mid exam, the next time you try submit an answer, you’ll be told there are connectivity issues. The system will keep prompting you to retry submitting until the connection succeeds.

What if my computer crashes mid-exam?

If your computer crashes mid exam, you’ll be able to re-open the Exam Environment. Then, if you still have time left for your exam attempt, you’ll be able to continue from where you left off.

Can I take exams in languages other than English?

Not yet. We’re working to add multi-lingual support in the future.

I have completed my exam. Why can't I see my results yet?

All exam attempts are reviewed by freeCodeCamp staff before we release the results. We do this to ensure the integrity of the exam process and to prevent cheating. Once your attempt has been reviewed, you'll be notified of your results the next time you log in to freeCodeCamp.org.

I am Deaf or hard of hearing. Can I still take the exams?

Yes! While some exams may include audio components, we do make written transcripts available for reading.

I am blind or have limited vision, and use a screen reader. Can I still take the exams?

We’re working on it. Our curriculum is fully screen reader accessible. We're still refining our screen reader usability for the Exam Environment app. This is a high priority for us.

I use a keyboard instead of a mouse. Can I navigate the exams using just a keyboard?

This is a high priority for us. We hope to add keyboard navigation to the Exam Environment app soon.

Are exams timed?

Yes, exams are timed. We err on the side of giving plenty of time to take the exam, to account for people who are non-native English speakers, or who have ADHD and other learning differences that can make timed exams more challenging.

If you have a condition that usually qualifies you for extra time on standardized exams, please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

What happens if I fail the exam? Can I retake it?

Yes. You get one exam attempt per week. After you attempt an exam, there is a one-week (exactly 168 hour) “cool-down” period where you cannot take any freeCodeCamp exams. This is to encourage you to study and to pace yourself.

There is no limit to the number of times you can take an exam. So if you fail, study more, practice your skills more, then try again the following week.

Do I need to redo the projects if I fail the exam?

No. Once you’ve submitted a certification project, you do not need to ever submit it again.

You can re-do projects for practice, but we recommend that you instead build some of our many practice projects in freeCodeCamp’s developer interview job search section.

What happens if I already have the old Legacy Responsive Web Design certification? Should I claim the new one?

The new certification has more theory and practice as well as an exam. So if you’re looking to brush up on your skills, then you can go through the new version of this certification.

What will happen to my existing coursework progress on the Full Stack Certification? Does it transfer over to the Responsive Web Design course?

If you’ve already started the Certified Full Stack Developer Curriculum, all of your previously completed work should already be saved there.

To be clear, we’ve copied over all of the coursework from the full stack certification to this newer certification.

Can I still continue with the current Full Stack Developer Certification and just not do the new certification?

We’ve moved the coursework for the Full Stack Developer Certification over and broken it up into smaller certifications. Currently there are seven courses available for you to go through. Here is the complete list:

• Responsive Web Design Certification

• JavaScript Certification

• Frontend Libraries Certification

• Python Certification

• Relational Databases Certification

• Backend JavaScript Certification

• Certified Full Stack Developer Certification

The Certified Full Stack Developer Certification button will remain on the learn page for a short time to give people the opportunity to switch over to the new certifications. Over the next few months, though, this option will disappear.

Will my legacy certifications become invalid?

No. Once you claim a certification, it’s yours to keep.

Also note that we previously announced that freeCodeCamp certifications would have an expiration date and require recertification. We don’t plan to implement this anytime soon. And if we do decide to, we will give everyone at least a year’s notice.

Will the exam be available to take on my phone?

At this time, no. You’ll need to use a laptop or desktop to download the exam environment and take the exam. We hope to eventually offer these certification exams on iPhone and Android.

I have a disability or health condition that is not covered here. How can I request accommodations?

If you need specific accommodations for the exam (for example extra time, breaks, or alternative formats), please email support@freecodecamp.org. We’ll review your request and see whether we can find a reasonable solution.

Anything else?

Good luck working through freeCodeCamp’s coursework, building projects, and preparing for these exams.

Happy coding!

Every year, more companies face threats that put their data, reputation, and customer trust at risk. As these threats grow, so does the demand for skilled cybersecurity professionals.

One of the best ways to stand out in this competitive field is to earn a recognised certification. Certifications not only validate your skills but also open doors to better job opportunities, higher pay, and global recognition.

In this article, we will look at the top five cybersecurity certifications that can help you build or advance your career. Whether you are new to cybersecurity or already working in the field, these certifications can take your skills and credibility to the next level.

What we Cover

• Certified Information Systems Security Professional (CISSP)

• Certified Information Security Manager (CISM)

• Certified Ethical Hacker (CEH)

• CompTIA Security+

• Offensive Security Certified Professional (OSCP)

• Choosing the Right Certification

• Conclusion

Certified Information Systems Security Professional (CISSP)

The CISSP, offered by (ISC)², is considered one of the most prestigious certifications in cybersecurity. It’s designed for experienced professionals who want to prove their ability to design, implement, and manage an enterprise-level security program.

CISSP is often seen as a leadership certification rather than a purely technical one. It demonstrates a deep understanding of security principles across multiple domains, including areas such as security and risk management, asset security, security architecture and engineering, communication and network security, identity and access management, security assessment and testing, security operations, and software development security.

Together, these eight domains cover every major aspect of protecting an organization’s information systems. Several security agencies have highlighted the importance of CISSP certification, so it’s an expected certification if you are looking for senior-level security roles.

To earn the CISSP, you need at least five years of professional experience in two or more of these domains. The exam itself is challenging and is designed to test not just what you know, but how you apply that knowledge in complex, real-world scenarios. It requires you to think both technically and strategically, balancing hands-on expertise with business and management considerations.

Even if you don’t yet meet the experience requirement, you can still pass the exam and become an Associate of (ISC)². Once you complete the necessary work experience, you can upgrade to a full CISSP.

CISSP holders are often found in senior roles such as Chief Information Security Officer, Security Architect, or IT Director. Employers worldwide value this certification because it demonstrates your understanding of both the technical and organisational aspects of cybersecurity.

If your goal is to move into senior management or to lead enterprise-wide security programs, CISSP remains one of the most respected and valuable certifications you can pursue.

Certified Information Security Manager (CISM)

The CISM, managed by ISACA, is a globally recognized certification for professionals who manage, design, and oversee an enterprise’s information security program. It’s particularly valuable for those who want to move from technical roles into management.

CISM focuses on four main areas: information security governance, risk management, program development and management, and incident management. These domains reflect the skills required to align an organization’s security strategy with its overall business goals.

Unlike certifications that focus mainly on technical details, CISM emphasizes the connection between business needs and security policies. It prepares you to communicate effectively with senior management and to justify security investments in terms of business outcomes.

Industry leaders like DestCert have highlighted the importance of the CISM certification for its role in shaping professionals who understand both the technical and strategic sides of cybersecurity. As organizations increasingly seek leaders who can balance risk, compliance, and technology, the demand for CISM-certified experts continues to grow.

To earn the CISM, you need at least five years of experience in information security management, with at least three years of experience in at least three of the four CISM domains. After passing the exam, you also need to agree to ISACA’s code of ethics and commit to continuing education to keep your certification active.

Certified Ethical Hacker (CEH)

The CEH certification, offered by EC-Council, is one of the most recognized credentials for those who want to specialize in ethical hacking and penetration testing. It teaches you how to think like a hacker, identify vulnerabilities, and secure systems before attackers can exploit them.

CEH covers topics such as footprinting, scanning, enumeration, system hacking, web application hacking, and social engineering. The goal is to understand the attacker’s mindset so you can defend more effectively. It also includes hands-on labs that allow you to practice hacking techniques in a controlled environment.

This certification is often the first step for many cybersecurity professionals who want to move into roles such as penetration tester, red team member, or security analyst. It demonstrates that you know how to identify weaknesses and apply countermeasures to protect systems and data. Since it’s a beginner certification, there are often questions whether CEH is worth taking. But it is still the most widely known cybersecurity certification in existence.

Employers value CEH because it bridges the gap between theory and practice. While it’s not as advanced as some other certifications, it provides a solid foundation for anyone interested in offensive security. If you are looking to start a career in ethical hacking or penetration testing, CEH is an excellent choice.

CompTIA Security+

CompTIA Security+ is one of the most widely accepted entry-level certifications in cybersecurity. It’s ideal for beginners who want to establish a strong foundation in security concepts before moving on to advanced certifications.

Security+ covers essential topics such as threat management, cryptography, risk management, identity management, and incident response. It also focuses on practical skills needed to perform day-to-day security tasks. Unlike some certifications that require extensive experience, Security+ is accessible to anyone with a basic understanding of networking and IT systems.

The certification is vendor-neutral, which means it applies to a broad range of technologies rather than being tied to a specific company or product. Many organizations use it as a benchmark for hiring junior security professionals or system administrators.

Security+ is also approved by the U.S. Department of Defense for its cybersecurity workforce, which further adds to its credibility. Passing the exam shows that you understand the key principles of cybersecurity and are ready to take on entry-level security roles.

After earning Security+, many professionals go on to pursue more advanced certifications such as CISSP or CISM. It serves as a perfect starting point for building a long-term cybersecurity career.

Offensive Security Certified Professional (OSCP)

The Offensive Security Certified Professional (OSCP), offered by Offensive Security, is one of the most respected certifications in the field of ethical hacking and penetration testing. Known for its hands-on and highly practical nature, the OSCP sets a high standard for proving real-world hacking skills.

Unlike many certifications that focus on theory or multiple-choice questions, the OSCP exam challenges you to demonstrate your ability to find and exploit vulnerabilities in live machines within a controlled environment. It requires you to hack into multiple systems, gain administrative access, and document your process in a professional penetration testing report.

The OSCP exam is widely regarded as one of the toughest in cybersecurity. Candidates are given 24 hours to complete the test, during which they must identify, exploit, and escalate privileges across different targets. This format tests not only your technical knowledge but also your persistence, creativity, and problem-solving skills.

Earning the OSCP shows that you can think like an attacker, apply advanced exploitation techniques, and work methodically under pressure. It’s ideal for people who want to advance their careers in offensive security, red teaming, or penetration testing. Common job roles for OSCP holders include penetration tester, security consultant, red team operator, and exploit developer.

The OSCP focuses on practical skills such as network scanning, enumeration, buffer overflows, privilege escalation, and pivoting through networks. The accompanying course, “Penetration Testing with Kali Linux (PWK),” provides comprehensive training that helps candidates prepare for the exam by learning through real-world scenarios.

Employers value the OSCP because it demonstrates more than just knowledge. It also proves your ability to apply that knowledge in complex, hands-on situations. Many in the cybersecurity industry consider it a rite of passage for ethical hackers and a mark of true technical skill.

If your goal is to become an advanced penetration tester or to build deep technical expertise in offensive security, earning the OSCP is one of the most rewarding certifications you can pursue.

Choosing the Right Certification

Selecting the right certification depends on your current experience and career goals. If you are new to cybersecurity, CompTIA Security+ is a great place to start. If you already have some experience and want to specialize in ethical hacking, the CEH will help you build practical offensive skills.

For those aiming for leadership and management positions, CISM and CISSP are both excellent choices. CISM focuses on aligning security with business strategy, while CISSP focuses on designing and managing enterprise-wide security programs. If your career involves core technical expertise, the OSCP is a natural next step.

Each certification not only validates your technical skills but also strengthens your reputation as a trusted cybersecurity professional. Employers often use certifications as a signal of commitment and capability, making them a valuable investment in your career.

Conclusion

Cybersecurity is a field that never stops evolving. New threats emerge every day, and the technology used to defend against them changes just as quickly. To stay relevant and competitive, you’ll need to keep learning and proving your expertise. This will help you both advance your career and be prepared to defend what matters most.

Hope you enjoyed this article. Find me on Linkedin or visit my website

A Generative AI Leader is a visionary developer with comprehensive knowledge of how generative AI (gen AI) can transform businesses. They have business-level knowledge of Google Cloud's gen AI offerings and understand how Google's AI-first approach can lead organizations toward innovative and responsible AI adoption.

Gen AI Leaders also influence gen AI-powered initiatives and identify opportunities across business functions and industries, using Google Cloud's enterprise-ready offerings to accelerate innovation.

We just posted a new course of the freeCodeCamp.org YouTube channel that will help you prepare for the Google Gen AI exam. Andrew Brown from ExamPro developed this course.

Here are the sections in this course:

• Introduction

• Core General AI Concepts

• Security

• Vertex Search

• Model

• Engagement Suite

• Google Agentspace

• Gemini with Google Workspace

• Vertex AI Studio

• Agent Builder

Watch the full course on the freeCodeCamp.org YouTube channel (3-hour watch).

We just posted a new course from Andrew Brown on the freeCodeCamp.org YouTube channel that will help you earn the Databricks Data Engineer Associate Certification. This course is designed to take you from a foundational understanding of data to building and managing production-grade data pipelines.

The Databricks Certified Data Engineer Associate certification exam assesses an individual’s ability to use the Databricks Data Intelligence Platform to complete introductory data engineering tasks. This includes an understanding of the Data Intelligence Platform and its workspace, its architecture, and its capabilities. It also assesses the ability to perform ETL tasks using Apache Spark SQL or PySpark, covering extraction, complex data handling and User defined functions. Finally, the exam assesses the tester’s ability to deploy and orchestrate workloads with Databricks workflows configuring and scheduling jobs effectively.

This free course is an all-in-one resource for preparing for the Databricks Data Engineer Associate Certification. It combines theoretical knowledge with practical, hands-on skills, ensuring you’re ready to pass the exam and tackle real-world data engineering challenges.

Course topics include:

• Introduction

• Data Basics

• Data Models Processing

• Data Integrity

• Data Sources

• Introduction to Databricks

• Cluster Types

• Databricks Web Application

• Version Control

• Delta Lake

• Spark DataFrame API

• Table and Views

• SQL Commands and Logic

• File Handling and Formats

• Structured Streaming

• Auto Loader

• Delta Live Table

• Jobs Monitoring and Visualization

• Unity Catalog

• Access Control

Watch the full course on the freeCodeCamp.org YouTube channel (7.5-hour watch).

The Professional Cloud Architect certification is one of Google Cloud’s top credentials. Cloud Architects use their knowledge of Google Cloud services to design, deploy, and manage secure, scalable, and cost-effective cloud solutions for organizations.

This course, created by Andrew Brown, covers everything you need to know to get ready for the exam. You’ll learn about identity and access management, networking, storage, compute options, serverless deployment, and much more. The course also walks through case studies, which are a big part of the exam itself.

Topics include:

• Identity access and resource setup

• Billing configuration

• Serverless and app deployment

• Data storage options

• Compute Engine and GKE deployment

• Networking resources

• Infrastructure as Code (IaC)

• Monitoring and logging

• Cloud identity and directory services

• Case studies

Watch the full course on the freeCodeCamp.org YouTube channel (16-hour watch).

We just published an updated Google Cloud Associate Cloud Engineer course on the freeCodeCamp.org YouTube channel. Andrew Brown from ExamPro developed this course.

Associate Cloud Engineers deploy applications, monitor operations, and manage enterprise solutions. They use Google Cloud Console and the command-line interface to perform common platform-based tasks to maintain one or more deployed solutions that leverage Google-managed or self-managed services on Google Cloud.

Here are the sections in this course:

• Introduction

• Identity access and resource setup

• Billing configuration

• Serverless and app deployment

• Data storage options

• Compute engine deployment

• Google Kubernetes Engine (GKE) deployment

• Networking resources

• Infrastructure as Code (IaC)

• Compute engine operations

• Storage and database solutions

• Monitoring and Logging

• Cloud identity and directory services

Watch the full course on the freeCodeCamp.org YouTube channel (11-hour watch).

From fraud prevention to real-time payments and smart investing, AI is unlocking major opportunities across finance. Machine learning models help identify suspicious activity faster than ever before, while also enabling hyper-personalized customer experiences. AI-driven payment systems improve transaction speed, reduce friction, and make financial services more accessible worldwide.

In investing and trading, predictive analytics and NLP help firms uncover market insights, assess risk, and automate decision-making. From hedge funds to robo-advisors, AI is enhancing performance and democratizing access to financial tools.

Globally, AI is also strengthening cross-border collaboration and compliance. Through APIs, real-time data sharing, and regulatory tech, financial institutions are creating more transparent and agile systems that operate across jurisdictions.

This handbook explores how AI is driving the next era of finance. Whether you're a bank executive, fintech innovator, or policy leader, you’ll find practical insights and tools to guide your organization into a smarter, data-driven future.

“You are not going to lose your job to AI, but you are going to lose your job to a developer who uses AI.”

– Jensen Huang, CEO @NVIDIA

Table of Contents:

1. Chapter 1: Why AI in Finance Is a Necessity – Not Just Hype

2. Chapter 2: AI in Finance Today – Where Are We in AI and Innovation?

3. Chapter 3: Case Studies of AI in FinTech – Global Use Cases and Case Studies of AI in Finance

4. Chapter 4: The Role of Data in Finance – Infrastructure, Warehousing, and Security

5. Chapter 5: The Science Behind the Models – ML, NLP, and Predictive Analytics

6. Chapter 6: Training the Workforce – Upskilling Executives, Technical, and Non-Technical Teams in FinTech

7. Chapter 7: Resources for Finance Executives – AI Education & Enablement in Finance: Workshops, Tools, Services, and Training Resources

You can download the PDF Version of the eBook here.

And you can also listen to this handbook as a podcast here:

Chapter 1: Why AI in Finance Is a Necessity – Not Just Hype

The financial sector has long prided itself on being ahead of the curve when it comes to adopting new technologies. From early mainframe systems to real-time trading platforms, banks, hedge funds, and payment providers have historically been quick to embrace tools that promise greater speed, efficiency, and insight.

But the world has changed – and fast.

Today, Artificial Intelligence (AI) and data-driven technologies are redefining what innovation means in finance. From predictive risk modeling to hyper-personalized customer experiences, AI isn’t a buzzword or a future luxury. It’s a present-day requirement for survival.

The Innovation Gap: Perception vs. Reality

It may surprise you that even in some of the world’s most digitally advanced regions, many financial institutions still rely heavily on legacy systems. Core banking infrastructure often runs on outdated technologies. Manual compliance checks, fragmented data storage, and lack of real-time analytics are still common.

In countries with strong financial histories, legacy often gets in the way of progress. While fintech startups sprint ahead with cloud-native, AI-first approaches, traditional banks and insurers are struggling to digitize core services, let alone lead with data.

This isn’t just a minor gap – it’s a growing risk. Institutions that delay digital transformation fall behind not only in customer service but in risk mitigation, fraud prevention, and investment performance.

Where Innovation Is Needed

AI isn’t a one-size-fits-all solution. But it offers specific, actionable advantages across nearly every domain of finance:

• Retail Banking: AI improves customer service, personalizes offerings, detects fraud in real-time, and enables better credit decisions using alternative data.

• Investment & Asset Management: Predictive analytics help portfolio managers spot trends early. Robo-advisors offer scalable, custom investment advice. NLP tools turn earnings calls and market chatter into structured insight.

• Payments & Fintech: Machine learning models reduce fraud, optimize payment routing, and improve KYC/AML compliance with far greater accuracy.

• Insurance & Risk: AI models assess risk in real-time, automate underwriting, and help insurers respond to claims with minimal manual effort.

• Trading & Hedge Funds: From quant strategies using reinforcement learning to sentiment-based trading algorithms, AI has already reshaped trading floors.

• Compliance & Security: Natural Language Processing (NLP) automates the review of regulatory documents. Anomaly detection finds suspicious transactions that human analysts might miss.

In short: AI is not a tool to consider "someday." It’s an operational backbone for today and tomorrow.

It’s About ROI – Not Just Technology

With every AI buzzword, there comes hype – and with hype, hesitation. This is healthy. Financial leaders need to see measurable ROI, not just a list of features.

Smart AI adoption focuses on:

• Solving real business problems (for example, reducing loan processing time by 60%)

• Improving customer KPIs (for example, 20% higher retention from personalized financial advice)

• Cutting operational costs (for example, automating reconciliation processes)

• Enhancing security and compliance in increasingly hostile threat environments

This handbook is about moving past the hype and into real value.

Who Should Read This Handbook

This is a handbook written for decision-makers – executives, investors, and operators who shape the future of financial services:

• Bank executives and managers who want to transform operations and customer experience

• Fintech founders and product teams building next-gen platforms

• CTOs and CIOs tasked with modernizing infrastructure

• Investors – VCs, PEs, GPs, LPs – looking to evaluate scalable fintech and AI plays

• Leaders in asset management, hedge funds, and trading who want a performance edge

• Insurance and payment companies navigating digital acceleration

What to Expect

This handbook dives deep into how AI and data are being applied across the financial world – not in theory, but in practice. We'll explore global case studies from Singapore to New York, Tokyo to Amsterdam that show exactly how leading firms are deploying AI to solve real-world challenges.

We’ll break down the ecosystem into the most relevant financial verticals and explain:

• What problems AI solves

• How data infrastructure plays a role

• What tools and platforms are available

• How organizations can upskill their teams

• What successful case studies teach us

By the end of this handbook, you’ll walk away with a roadmap – not just for “adopting AI,” but for building a sustainable, data-driven financial institution that stays ahead of the curve.

Chapter 2: AI in Finance Today — Where Are We in AI and Innovation?

At its core, finance is the science and business of managing money – how it’s earned, saved, invested, insured, borrowed, and spent. That definition hasn’t changed. But the methods, expectations, and technologies that drive modern finance have radically transformed.

In today’s financial ecosystem, institutions are no longer judged solely on interest rates or product offerings. Instead, they are measured by:

• How fast they can deliver services

• How well they personalize customer experiences

• How securely they protect data and infrastructure

• How intelligently they manage risk and capital allocation

And most importantly, by how effectively they use data.

Finance in 2025: Data-Centric and AI-Driven

Every financial activity – be it a retail transaction, a cross-border payment, an IPO, or a wealth management advisory session – generates a digital footprint. What sets the leaders apart is how well they can capture, structure, analyze, and act on that data.

AI is the natural engine of this transformation. But today, we’re at a mixed adoption stage globally.

Where Finance Is Excelling in AI

Many large financial players have already implemented AI with impressive results. Here are a few standout areas:

• Fraud Detection and Risk Management: AI models can now detect fraud in milliseconds by analyzing real-time patterns and anomalies (for example, Mastercard and Visa use ML to detect fraudulent transactions before they’re completed).

• Algorithmic and Quantitative Trading: Hedge funds like Renaissance Technologies and Two Sigma use machine learning for predictive modeling based on vast data sources, including alternative data like satellite imagery.

• Robo-Advisors and Personal Finance: Platforms like Betterment and Wealthfront use AI to provide automated, personalized investment strategies at scale.

• Customer Service: Chatbots and AI-powered assistants are now handling millions of interactions across banks like Bank of America (Erica) and HSBC, significantly reducing customer support costs.

These are just the beginning. In many of these cases, AI has not just improved performance – it has become a core competitive advantage.

Where the Gaps Are

Despite high-profile innovation, many financial institutions – especially traditional banks and insurers in Western Europe, Southeast Asia, and Latin America – are lagging behind.

Common challenges include:

• Legacy Core Systems: Older, monolithic infrastructures make data integration and automation difficult.

• Siloed Data: Without centralized data warehouses or lakes, advanced AI modeling is almost impossible.

• Shortage of AI Talent: Many banks lack in-house AI engineers or data scientists, leading to reliance on generic third-party tools.

• Regulatory Fear: Concerns over compliance and data privacy (GDPR, AML, Basel III) often slow down innovation, even when AI can help meet those very obligations.

A 2023 report by the World Economic Forum noted that while 85% of financial executives see AI as “essential” to future growth, fewer than 35% have deployed it at scale within core operations.

This means we are still in the early innings – especially for those outside of major innovation hubs like New York, London, or Hong Kong.

Finance Is Becoming Fintech by Default

One important shift: the line between traditional finance and fintech is vanishing.

Any company that provides financial services must now think like a tech company. This includes retail banks, wealth managers, insurers, private equity firms, and central banks. Whether they like it or not, they are becoming data companies.

• Payments are being reinvented by APIs and machine learning optimization (Stripe, Adyen, Square).

• Lending is now algorithmic, with startups like Upstart and Kabbage approving loans in seconds using AI-based credit scoring.

• Investment analysis is real-time, with platforms scanning global news, earnings reports, and social media sentiment 24/7.

• Insurtechs are pricing risk more accurately than ever with real-time data from connected devices and behavioral scoring.

Legacy institutions that resist this shift risk being leapfrogged by more agile, AI-first challengers.

The Global Landscape: An Uneven Map

Innovation levels vary widely across regions:

• United States: Leading in AI-driven trading, wealth tech, and regtech. Heavy investment in AI research and startup ecosystems.

• United Kingdom: Strong fintech sector in London, but traditional banks remain cautious. Regulation-friendly for experimentation (for example, FCA sandbox).

• Netherlands & Germany: Wealth of talent and infrastructure, but legacy banking institutions are slow to adapt AI internally.

• Singapore & Hong Kong: Government-backed innovation hubs, strong adoption in wealth management and regulatory tech.

• China: AI-first approach in consumer finance and mobile payments, led by Ant Group and Tencent.

• Canada & Australia: Focused on ethical AI and compliance automation. Slower in retail innovation but strong in institutional tech.

• Japan: Conservative innovation pace in traditional banks, but increasing AI use in investment and manufacturing finance.

This variance opens the door for learning across borders – and for competitive advantage in under-served regions.

Finance today is not just about managing capital. It's about managing data, speed, trust, and intelligence. AI is no longer the edge. It is becoming the foundation.

In the next section, we’ll go beyond definitions and into real-world examples: How are top institutions – from Goldman Sachs to Revolut to Ant Financial – applying AI in ways that are changing the game.

Chapter 3: Global Use Cases and Case Studies of AI in Finance

AI is no longer experimental in finance – it's operational. From Wall Street to Shanghai, leading institutions are deploying machine learning, natural language processing (NLP), and generative AI not just to optimize processes but to redefine them.

In this section, we explore real-world case studies of how AI is already transforming financial services across banking, investing, payments, compliance, and customer experience. These examples span a global spectrum – from the U.S. to Asia to Europe – offering a comprehensive view of how AI is being leveraged across different financial sectors worldwide.

JPMorgan Chase – COiN (Contract Intelligence Platform)

Country: United States
Function: Legal automation and document review
AI Applications: NLP and Machine Learning
Impact: Reduced 360,000 hours of manual review time

JPMorgan’s COiN (Contract Intelligence) platform is a pioneer in AI for legal and compliance processes. Using Natural Language Processing (NLP), COiN automates the review of legal documents, particularly complex credit agreements. This process, which used to take hundreds of thousands of hours of manual work, is now completed in a fraction of the time, significantly enhancing operational efficiency.

• Risk Analysis: COiN scans documents to identify key terms, obligations, and risks associated with legal contracts. This allows compliance officers to focus on the high-risk contracts and flag potential issues early on.

• Operational Cost Savings: The automation provided by COiN reduces reliance on manual labor and minimizes the risk of human error, ultimately saving the bank time and money.

• Compliance and Speed: COiN helps JPMorgan comply with complex regulatory requirements by making the review process quicker and more accurate, reducing compliance risk.

COiN is a clear example of how AI can disrupt back-office operations, providing banks and financial institutions with tools that significantly improve productivity and legal oversight.

BlackRock – Aladdin (Asset, Liability, Debt & Derivative Investment Network)

Country: United States (Global deployment)
Function: Risk management, portfolio construction, investment operations
AI Applications: Predictive analytics, real-time risk modeling
Impact: Powers ~$21 trillion in assets under management

Aladdin, BlackRock’s AI-powered risk management platform, is one of the most influential tools in the investment management space. Aladdin leverages predictive analytics and real-time data to help asset managers assess risk, build portfolios, and manage their investment operations.

• Scenario Analysis: Aladdin simulates various market scenarios (such as changes in interest rates or economic downturns) to help portfolio managers identify potential vulnerabilities and optimize portfolio performance accordingly.

• Market Prediction: Aladdin uses AI to forecast asset performance by analyzing both historical and real-time data, allowing asset managers to make data-driven decisions that improve returns while managing risk.

• Operational Risk: The platform can quickly identify potential gaps in the operational side of portfolio management, providing actionable insights to reduce risks.

Aladdin is used by financial institutions around the world, including large asset managers, insurers, and sovereign wealth funds. By licensing its technology, BlackRock has turned into not just an asset management firm, but a technology provider as well.

Here’s a BlackRock Aladdin overview if you want to read more.

Goldman Sachs – Marcus & AI-Powered Consumer Finance

Country: United States
Function: Consumer banking, digital lending
AI Applications: Behavioral analytics, NLP, personalization
Impact: Over $100B in deposits managed via AI-augmented digital channels

Goldman Sachs entered the consumer banking space with Marcus, a digital platform offering savings accounts and personal loans. Powered by AI, Marcus has revolutionized how the bank approaches credit decisioning, personalized financial advice, and customer onboarding.

• Credit Decisioning: Goldman Sachs uses AI to assess creditworthiness by analyzing alternative data sources, such as transaction history and social behavior, instead of just traditional credit scores. This allows Marcus to extend credit to a wider customer base, especially those underserved by traditional banks.

• Personalization: AI-driven algorithms create tailored financial solutions for individual customers, such as personalized savings plans or investment recommendations, enhancing user experience.

• Automated Onboarding: The AI engine speeds up the verification process, reducing manual input and allowing customers to open accounts in a matter of minutes, rather than days.

Goldman Sachs’ move into the digital consumer finance space underscores how even traditional investment banks can innovate and compete with fintech disruptors by leveraging AI to improve user experience and streamline operations.

You can read more about Marcus by Goldman Sachs if you’re curious.

Ant Group – AI for SuperApp Finance

Country: China
Function: Mobile payments, credit, insurance, wealth
AI Applications: Deep learning, behavior-based credit scoring, fraud detection
Impact: Over 1 billion users served by AI-driven services

Ant Group, the parent company of Alipay, integrates AI throughout its extensive ecosystem, offering mobile payments, credit, insurance, and wealth management services. The scale at which Ant operates – with over 1 billion users – makes its AI deployment incredibly sophisticated.

• Zhima Credit (Sesame Credit): This AI-powered credit scoring system uses behavioral data to evaluate creditworthiness. By analyzing transaction history, utility bill payments, and even social behavior, Ant Group can offer personalized loans and financial products to users who may lack traditional credit histories.

• Fraud Detection: Real-time anomaly detection systems continuously monitor billions of transactions to flag suspicious activity, preventing fraud before it happens. This has greatly improved trust in digital financial transactions, particularly in regions where traditional banking infrastructure is lacking.

• Smart Customer Support: Ant's NLP-powered chatbots resolve over 95% of customer queries autonomously, ensuring users receive timely assistance.

Ant Group’s AI-driven platform enables massive scalability and efficiency, allowing the company to offer an array of services without the need for extensive physical infrastructure.

Revolut – Real-Time Fraud Detection and Personalization

Country: United Kingdom
Function: Neobank, payments, FX, crypto
AI Applications: Real-time anomaly detection, personalization engines
Impact: 35M+ users, AI flags >95% of fraud in real time

Revolut uses AI extensively to enhance both customer experience and security across its neobanking platform. By leveraging machine learning, Revolut is able to detect fraud in real time and personalize financial services for each user.

• Fraud Detection: Revolut’s AI models analyze behavioral patterns – such as location, transaction frequency, and device fingerprinting – to identify potentially fraudulent activities in real time. This allows the system to immediately flag suspicious transactions, ensuring a high level of security for its global user base.

• Personalization: Revolut’s AI engine provides users with customized budgeting tips, spending insights, and even recommends financial products such as loans and insurance, based on individual transaction data.

• Scalability: Revolut’s AI stack is designed to handle the massive scale of over 35 million users spread across 200+ countries, all while maintaining high standards of personalization.

Revolut’s success lies in balancing cutting-edge AI with a streamlined, user-friendly experience, proving that AI is not just a tool for large banks but also for nimble fintech startups.

You can read more about Revolut’s AI-driven approach here.

Renaissance Technologies – Predictive Quant Trading

Country: United States
Function: Hedge fund
AI Applications: Machine learning, alternative data modeling, signal extraction
Impact: Arguably the most profitable quant firm in history

Renaissance Technologies, the legendary hedge fund, is known for its AI-powered and data-driven investment strategies. The firm employs some of the most advanced machine learning techniques and data models to predict price movements, gaining a significant edge in the market.

• Alternative Data Analysis: Renaissance uses unconventional data sources such as satellite imagery, weather data, and even social sentiment from social media platforms to build predictive models. For instance, they may analyze the number of cars in the parking lot of a retail chain using satellite images to forecast quarterly earnings.

• Machine Learning Models: Renaissance Technologies uses machine learning models to identify patterns and signals that human analysts may miss, making their trading decisions faster and more accurate.

• Consistent Returns: The firm’s flagship Medallion Fund has reportedly returned over 60% annually (net), a remarkable feat in the investment world, thanks to its reliance on AI to optimize every aspect of its trading strategy.

Renaissance’s success story is a perfect example of how AI, combined with alternative data, can produce extraordinary financial returns.

Generative AI for Internal Automation and Client Interaction

Used Globally
Function: Customer service, internal productivity, compliance
AI Applications: LLMs (like ChatGPT), GPT-powered copilots
Impact: Reduces response time, boosts compliance, increases advisor efficiency

Generative AI is being rapidly adopted across the finance industry for internal automation and client interaction. AI tools like ChatGPT and similar Large Language Models (LLMs) have found applications across multiple facets of financial institutions:

• Customer Service Automation: Banks and financial institutions are using generative AI to power chatbots and virtual assistants that handle common customer inquiries, reducing the need for human intervention and significantly improving response times.

• Internal Productivity: AI copilots, like those tested by Morgan Stanley and UBS, help financial advisors quickly retrieve research, analyze market trends, and generate custom reports. This allows advisors to focus on more valuable, higher-level tasks like client engagement.

• Compliance Assistance: Generative AI is also being deployed to automate risk documentation, summarize compliance reports, and assist in the generation of legal documents, ensuring that the vast array of regulatory requirements is met with greater accuracy and efficiency.

Here are some examples:

• Morgan Stanley uses OpenAI’s GPT to help financial advisors access research instantly.

• UBS is testing AI copilots to assist relationship managers and client-facing bankers.

• ING uses AI to streamline internal processes like writing credit memos and risk assessments.

Generative AI is transforming how financial firms deliver customer service, assist employees, and maintain compliance.

Chapter 4 - Data Management in Finance: Navigating Data Lakes, Real-Time Ingestion, Security, and Cloud Platforms

In the digital age, data has become the lifeblood of the financial industry. From risk management to customer service and predictive analytics, financial institutions are increasingly relying on vast amounts of data to make informed decisions.

But handling this data requires advanced infrastructure, as well as a deep understanding of how different technologies can be leveraged to optimize data usage.

In this section, we’ll explore the critical components of data management in finance, including data lakes vs. data warehouses, real-time data ingestion, data security and compliance, and the role of cloud platforms like AWS, GCP, and Azure in managing financial data.

Data Lakes vs. Data Warehouses: The Foundation of Financial Data Management

When dealing with large volumes of data, teams and companies must decide how best to store, manage, and utilize that data. This decision often comes down to two key technologies: data lakes and data warehouses. While they may seem similar, they serve different purposes and have distinct advantages depending on the needs of the organization.

Data Lakes: Flexible and Scalable for Big Data

A data lake is a centralized repository that allows financial institutions to store vast amounts of structured, semi-structured, and unstructured data at scale. The key advantage of a data lake is its flexibility – it can accommodate data from a variety of sources without requiring any preprocessing or transformation.

In finance, data lakes are ideal for storing massive datasets such as transaction logs, market data, social media feeds, and customer interactions. By consolidating this data in one place, organizations can perform exploratory data analysis, conduct advanced analytics, and implement machine learning models.

Advantages:

• Scalability: Data lakes can handle petabytes of data with ease.

• Cost-Effective: They are often built on low-cost storage solutions, which makes them a cost-effective way to store large amounts of data.

• Data Variety: They can store data in its raw form, including structured data (like customer demographics), semi-structured data (like transaction logs), and unstructured data (like customer service chat logs or social media feeds).

Challenges:

• Data Quality: Since data in a lake is often stored in its raw form, ensuring the quality of the data can be challenging.

• Data Governance: Proper governance frameworks need to be in place to manage who has access to the data, and how it can be used securely and ethically.

Data Warehouses: Structured and Optimized for Analytics

A data warehouse, on the other hand, is designed for structured data that is preprocessed and optimized for analytics. It usually stores historical data, transformed into a format that is easy to query and analyze. In financial institutions, data warehouses are used for business intelligence, reporting, and making strategic decisions based on historical trends.

Banks and asset management firms often rely on data warehouses for financial reporting, risk management, fraud detection, and compliance tracking. It allows them to access a clean and structured dataset that is ready for analysis.

Advantages:

• Performance: Data warehouses are highly optimized for complex queries and fast analytics.

• Data Integrity: The data stored in warehouses is usually cleaned and transformed, ensuring a high degree of accuracy and consistency.

• Business Intelligence: They support advanced business intelligence tools and reporting features, helping executives make informed decisions.

Challenges:

• Cost: Data warehouses typically require more expensive storage and computing resources due to their structured nature.

• Rigidity: Unlike data lakes, data warehouses are less flexible when it comes to accommodating unstructured data or rapidly changing datasets.

Real-Time Data Ingestion and Processing: The Importance of Speed in Finance

The ability to process real-time data has become a critical factor for success in modern financial services. Whether it's market trading, fraud detection, or customer support, financial institutions need to ingest and analyze data as it happens to make timely decisions and maintain competitive advantage.

Real-Time Data Ingestion

In the financial world, real-time data ingestion refers to the continuous flow of data from various sources (such as stock markets, credit card transactions, or social media) into a central system for immediate processing. For instance, banks must process millions of transactions every second to identify fraud or assess liquidity risk.

• Example: A trading algorithm that ingests live market data (price movements, order books, and so on) and adjusts trading strategies in real time, helping asset managers to react instantly to market conditions.

• Key Technologies: Real-time data ingestion typically uses streaming technologies such as Apache Kafka, AWS Kinesis, or Google Cloud Pub/Sub to process and route data to processing systems with minimal delay.

Real-Time Data Processing

Once data is ingested, it needs to be processed immediately to generate insights or trigger actions. For example, real-time fraud detection systems analyze each credit card transaction as it happens to determine whether it’s legitimate or fraudulent, using algorithms that monitor patterns and behaviors.

• Key Processing Technologies: In finance, streaming analytics platforms like Apache Flink or Google Dataflow are commonly used to handle real-time data. These platforms allow institutions to run complex analytics on data in motion, enabling them to identify risks, opportunities, or irregularities quickly.

Use Cases:

• Fraud Detection: Banks and payment processors use real-time transaction analysis to detect fraud patterns and stop unauthorized transactions.

• Algorithmic Trading: Real-time data processing enables financial firms to adjust trading algorithms instantly based on market changes.

• Customer Interaction: AI-powered chatbots and customer service agents are able to offer real-time support to clients, improving the customer experience.

Data Security and Compliance in Financial Data Handling

In finance, data is not just an asset – it is also a liability. Financial institutions need to adhere to strict data security and compliance regulations to protect sensitive customer information and meet legal requirements.

Compliance with Regulations

Financial institutions operate in a heavily regulated environment, where maintaining compliance is crucial. Regulations like GDPR (General Data Protection Regulation), FINRA (Financial Industry Regulatory Authority), and the SEC (Securities and Exchange Commission) set strict guidelines for how financial data should be handled, stored, and protected.

• GDPR: This European regulation imposes heavy fines on organizations that mishandle personal data. Financial institutions must ensure that they collect, store, and process customer data in compliance with GDPR principles, such as obtaining explicit consent and providing data access rights to users.

• FINRA/SEC Regulations: These U.S.-based regulatory bodies require firms to retain records of transactions and communications, ensure that data is protected from unauthorized access, and report suspicious activities promptly. Financial firms must implement stringent data governance frameworks to comply with these regulations.

Data Security in Financial Institutions

With the massive amount of sensitive data stored in financial systems, protecting this data from cyberattacks, breaches, and unauthorized access is of paramount importance. Financial institutions are leveraging a combination of encryption, multi-factor authentication (MFA), and access control policies to ensure the security of their systems.

• Encryption: Financial data, both at rest and in transit, is encrypted to prevent interception by malicious actors.

• MFA: Multi-factor authentication ensures that even if an attacker gains access to a password, they still cannot access the data without a second form of authentication (such as a token or biometric verification).

• Data Masking: Sensitive customer data, such as credit card numbers or Social Security numbers, is often "masked" in non-production environments to prevent accidental exposure during testing or development.

Cloud Platforms in Financial Data Handling: AWS, GCP, and Azure

Cloud platforms such as Amazon Web Services (AWS), Google Cloud Platform (GCP), and Microsoft Azure have become the backbone for modern financial data management. These platforms offer scalable infrastructure, advanced analytics tools, and machine learning services that are essential for financial institutions to stay competitive.

Benefits of Cloud Platforms in Finance

• Scalability: Cloud platforms provide virtually unlimited storage and computing power, allowing financial institutions to scale operations efficiently.

• Security and Compliance: Major cloud providers offer industry-specific compliance certifications (such as SOC 2 or ISO 27001) and implement strong security features, including encryption and access control, to meet financial regulatory standards.

• Advanced Analytics and Machine Learning: Cloud platforms provide access to a range of tools for big data processing, AI model development, and real-time analytics. For instance, AWS provides services like Amazon SageMaker for machine learning, while Google Cloud’s BigQuery offers fast data analytics.

Use Cases of Cloud in Finance:

• Risk Analytics: Financial firms use cloud platforms to run complex risk simulations at scale, allowing them to identify potential vulnerabilities in their portfolios and strategies.

• Fraud Detection and Prevention: Cloud-based AI models can analyze billions of transactions in real time, flagging suspicious activities with greater accuracy than traditional systems.

• Customer Service Automation: Using cloud-based AI and chatbots, financial institutions can offer 24/7 customer service, streamlining support while reducing operational costs.

In the financial industry, leveraging the right data infrastructure is key to gaining a competitive edge. By effectively managing data using data lakes, data warehouses, and advanced cloud platforms, financial institutions can enhance their decision-making capabilities, improve security and compliance, and deliver a better experience to customers.

As the industry continues to embrace real-time data ingestion, advanced analytics, and AI, those who master the art of data management will be the leaders of tomorrow’s financial ecosystem.

Chapter 5: The Science Behind the Models – ML, NLP, and Predictive Analytics

Artificial Intelligence (AI) in finance is not magic – it’s applied science. Behind every real-time fraud alert, automated investment strategy, or smart credit score is a complex stack of algorithms and data pipelines.

To make AI work in financial environments where accuracy, explainability, and risk tolerance are non-negotiable, institutions rely on a blend of machine learning (ML), natural language processing (NLP), and predictive analytics.

In this section, we’ll unpack the foundational AI methods that power today’s most critical financial systems, and how these models are reshaping decision-making across the value chain.

Time-Series Forecasting: The Engine of Financial Prediction

Time-series forecasting is the cornerstone of financial modeling. Unlike typical supervised learning where inputs are independent, time-series models take into account temporal dependencies – the past influencing the future – which is especially important in domains like stock prices, interest rates, and credit defaults.

Core Applications in Finance:

• Asset Price Prediction: Hedge funds and asset managers forecast equity, FX, and commodity prices using techniques ranging from ARIMA and exponential smoothing to deep learning-based models like LSTMs (Long Short-Term Memory) or Temporal Convolutional Networks (TCNs).

• Liquidity Forecasting: Treasury departments forecast cash flow and liquidity needs across accounts and geographies to meet regulatory buffers and prevent shortfalls.

• Credit Risk Monitoring: Time-series models help anticipate changes in borrower behavior or macroeconomic indicators that impact default probabilities.

Technical Insights:

• Models Used: ARIMA, Prophet (developed by Meta), LSTM, XGBoost on rolling features.

• Challenges: High noise-to-signal ratio in markets, non-stationarity, and the risk of overfitting to past data.

• Best Practices: Combining feature engineering with domain-specific constraints (for example, market open/close calendars, economic events) significantly improves forecast reliability.

Risk Modeling: Quantifying Uncertainty with Machine Learning

Risk modeling is fundamental in finance, whether you're managing market risk, credit risk, or operational risk. Traditionally built with logistic regression and rule-based systems, today’s models are becoming far more nuanced through ML.

Machine Learning in Risk:

• Credit Risk: ML models ingest not just FICO scores and payment history, but also alternative data like cash flow, mobile phone usage, and behavioral patterns to score borrowers – especially useful in emerging markets or for thin-file customers.

• Market Risk (VaR, CVaR): ML techniques simulate potential portfolio losses under different market scenarios, accounting for complex correlations across assets.

• Operational Risk: Using internal logs and incident reports, anomaly detection algorithms can flag early indicators of system failures or fraud.

Technical Highlights:

• Popular Models: Gradient Boosting Machines (GBM), Random Forests, Support Vector Machines (SVM), and Neural Networks.

• Interpretability: Risk models must be explainable to pass regulatory scrutiny. Tools like SHAP values or LIME help demystify black-box models by showing the impact of individual features on predictions.

• Example: A bank may use XGBoost to predict credit card default, with SHAP showing that recent missed payments and high utilization ratios were the key drivers behind the model’s output.

Natural Language Processing (NLP): Unlocking Textual Data

Financial institutions sit on mountains of unstructured textual data — earnings call transcripts, analyst reports, regulatory filings, news, and customer communications. NLP allows them to extract meaningful insights from this data at scale.

Use Cases in Finance:

• Document Review and Contract Analysis: NLP models scan thousands of legal agreements or credit contracts to flag risk clauses, expirations, or inconsistencies (for example, JPMorgan’s COiN platform).

• Sentiment Analysis: Hedge funds use NLP to analyze news and social media sentiment to anticipate market movements.

• Regulatory Compliance: Automated systems parse SEC filings, GDPR policies, and internal communications to ensure compliance or detect violations.

• Customer Service Chatbots: NLP powers real-time customer engagement, automatically resolving queries and routing issues to the right departments.

Technologies:

• Traditional Methods: Named Entity Recognition (NER), Bag-of-Words, TF-IDF, Latent Dirichlet Allocation (LDA).

• Modern Approaches: Transformer models (like BERT, RoBERTa, or domain-specific variants such as FinBERT) trained on financial texts to achieve better context understanding.

• Document Intelligence: With models like GPT-4 or Claude, banks can now extract and summarize key risks, opportunities, or inconsistencies from dense reports.

Fraud Detection: Using Anomaly Detection and Unsupervised Learning

Fraud detection is one of the highest ROI use cases for AI in finance. The challenge lies in identifying non-obvious, evolving fraudulent patterns buried in billions of transactions – often without labeled data.

Why ML Outperforms Rule-Based Systems:

• Traditional systems rely on static rules like “flag any transaction over $5,000 abroad.” But fraudsters quickly adapt.

• Machine learning systems, particularly those using unsupervised or semi-supervised techniques, learn what “normal” looks like for each user and flag outliers in real-time.

Models and Approaches:

• Unsupervised Learning: Clustering (for example, DBSCAN), Autoencoders, and Isolation Forests are used to detect anomalies without needing labeled fraud data.

• Semi-Supervised Learning: Train on a small labeled dataset with millions of unlabeled records.

• Behavioral Biometrics: ML models monitor how users type, swipe, or move the mouse to detect suspicious behavior – often used in mobile banking apps.

Example:

A neobank like Revolut may apply autoencoder-based models on real-time transaction data. If a user who typically shops in Amsterdam suddenly makes 5 high-value transactions from São Paulo using a new device, the system flags and freezes the account for verification – all within milliseconds.

Behind every AI solution in finance is a combination of mathematical modeling, data engineering, and domain expertise. Whether it’s a hedge fund predicting earnings, a bank screening loans, or an insurance firm processing claims, these tools – time-series forecasting, ML-based risk scoring, NLP-driven document analysis, and anomaly detection – are the technical foundation of financial AI. Understanding them is not optional for executives anymore – it’s the difference between leading innovation or being disrupted by it.

Chapter 6: Training the Workforce – Upskilling Executives, Technical, and Non-Technical Teams in FinTech

AI transformation in finance is both a technological shift and an organizational one. Success doesn’t depend solely on algorithms or data pipelines, but on people: the ones who design, deploy, fund, govern, and use AI.

And if there's one hard truth in AI transformation, it is this: Innovation starts at the top.

Whether you are running a regional bank, a global asset manager, or a fintech startup, your leaders must be AI-literate. Not necessarily technically fluent in code – but strategically fluent in AI’s business value, risks, and implementation realities.

AI Literacy for Leadership: A Strategic Imperative

The idea that AI is a luxury – or something to “consider later” – is a dangerous misconception. In the current financial landscape, AI is a necessity. And if decision-makers don’t understand it, they can’t lead it.

Executives are the ones who sign off on technology budgets, approve digital initiatives, and set strategic priorities. It doesn't matter how innovative your engineers are. If your leadership doesn’t “get” AI, the innovation dies on the boardroom table.

Common Executive Blind Spots:

• Confusing automation with true AI (for example, rules-based tools vs. learning systems)

• Underestimating the cost and complexity of model deployment

• Failing to understand data infrastructure dependencies

• Viewing AI as a “tech problem” instead of a business enabler

• Ignoring governance risks or regulatory exposure

Here are some key topics in executive AI training:

• Understanding ML, NLP, and GenAI at a strategic level

• Interpreting AI project KPIs and business ROI

• Governance and model risk management

• Ethical and regulatory frameworks (EU AI Act, GDPR, SEC AI enforcement)

• Building cross-functional AI innovation teams

"You’re not going to lose your job to an AI, but you’re going to lose your job to someone who uses AI."
— Jensen Huang

This is not hyperbole. It's already happening. In a 2024 survey by PwC, 72% of financial services CEOs admitted they lacked a clear understanding of how AI delivers ROI in their own organizations. Meanwhile, 60% of digital transformation failures in banking were attributed to “leadership misalignment”, not technical challenges.

The Cost of Inaction:

• Slower go-to-market for AI-based products

• Missed competitive advantages (for example, predictive credit scoring, customer retention models)

• Increased risk of non-compliance due to lack of AI governance

• Talent attrition – top AI engineers don’t stay where innovation is blocked

To address this, top-tier financial institutions are increasingly mandating structured AI education programs for senior leaders, including CEOs, CTOs, COOs, and board members. This isn't just optional professional development – it's often required to ensure alignment on AI strategy, ethical use, and ROI measurement.

Why Mandating AI Education is Becoming Standard

The push for mandatory AI training stems from several factors:

1. Strategic Imperative

A 2024 PwC survey cited in various reports notes that 72% of financial services CEOs lack a clear understanding of AI's ROI, contributing to 60% of digital transformation failures due to leadership misalignment. Mandated programs help bridge this by providing strategic fluency in machine learning (ML), natural language processing (NLP), generative AI, and regulatory frameworks like the EU AI Act or GDPR.

2. Risk Mitigation

With AI introducing new risks (for example, bias in models, data privacy breaches), boards and executives need education to oversee governance. For instance, the Global Financial Stability Board warned in 2024 that inconsistent AI standards could pose systemic risks.

3. Competitive Edge and Talent Retention

Institutions that invest in executive education see faster AI adoption, better talent attraction, and reduced attrition. Training costs (for example, $5,000 per person annually) are often offset by savings from avoiding missteps, as outlined in the handbook.

4. Regulatory and Market Pressures

Bodies like the FDIC and OCC have released training resources (for example, FDIC videos on cybersecurity for bank directors), signaling expectations for AI literacy. Conferences like the 2024 FSOC AI & Financial Stability event and Opal Group's Compliance in the Age of AI 2025 emphasize executive involvement.

These programs typically cover AI fundamentals, use cases in finance (for example, predictive analytics), ethical considerations, and hands-on tools like ChatGPT or custom platforms. Formats range from in-house workshops and reverse mentorships to external certifications and business school courses.

Institutions and Executives Mandating AI Education

While adoption varies by region and institution size (stronger in the US and Asia, as you may be able to tell), several top-tier players are leading with mandated or structured programs. Let’s look at some key examples drawn from recent developments as of July 2025:

1. Bank of America: The bank has adopted a top-down approach to AI education, mandating briefings for senior leadership on generative AI's potential and risks starting around 2023. This includes required sessions for executives to understand AI integration in retail, small business, and wealth management. Hari Gopalkrishnan, CIO and Head of Retail, Small Business, and Wealth Technology, leads this initiative, ensuring C-suite alignment to drive efficient operations and mitigate risks. This reflects a broader trend where banks prioritize internal AI tools for employee training, extending to executives.

2. Morgan Stanley: As a pioneer in AI deployment (for example, their COiN platform mentioned above), Morgan Stanley integrates mandatory AI training into tool rollouts for wealth management teams, including executives. Tools like the Morgan Stanley Assistant (launched September 2023, powered by OpenAI's GPT-4) and Morgan Stanley Debrief (June rollout) require user training embedded in the experience. Koren Picariello, Managing Director and Head of Wealth Management Generative AI, oversees this, emphasizing intuitive learning for financial advisors and support staff – though it extends to leadership for strategic oversight. This approach ensures executives are fluent in AI to support firm-wide adoption.

3. Community Financial Institutions (CFIs) via Eltropy: Credit unions and community banks are mandating AI certification through Eltropy's program, launched post-EMERGE 2025 conference where over 130 professionals earned the Eltropy AI Practitioner Certificate. This self-paced, on-demand certification is required for employees across functions, including executives, covering foundational AI, Agentic AI, compliant usage in regulated environments, and hands-on bot-building with technologies like LLMs and prompt engineering. While not naming specific executives, it's tailored for CFI leaders to build and deploy AI immediately, addressing the handbook's call for upskilling in smaller institutions.

4. General Banking Boards (for example, via BankDirector Guidance): Many US banks mandate director education and onboarding focused on AI skills for board members to oversee implementation effectively. This includes reboarding programs to enhance technology expertise, with boards establishing governance committees and designating AI overseers. For example, boards are encouraged to support capital for AI infrastructure while receiving regular updates, ensuring members are trained to guide ethical integration and competitive strategies.

5. Hedge Funds and Larger Institutions: A 2024 AIMA report on hedge funds shows that nearly half of larger managers (for example, those managing significant AUM) mandate Gen AI training for teams, including executives, though overall adoption is at 10% industry-wide. Firms like Citadel, Bridgewater Associates, and Renaissance Technologies (highlighted in Senate investigations) are creating multidisciplinary AI teams, implying required upskilling for quants and leaders. Bridgewater's CEO, Nir Bar Dea, has publicly discussed AI's role in altering hedge fund landscapes, suggesting internal education mandates.

6. Broader Trends Involving CEOs and Boards: Across sectors, boards and CEOs are forming joint AI vision task forces that mandate quarterly meetings and ethical scorecards, often including reverse mentorship programs where board members pair with AI specialists for hands-on learning. Business schools are incorporating AI case studies into board training, as noted in WSJ reports, to address a 20% tech expertise gap per PwC. Advisory firms like RSM US recommend CEOs and boards seek external education for AI vision-building, with 67% of organizations needing outside help.

These examples illustrate a shift toward mandatory AI literacy at the highest levels, aligning with our emphasis on transforming executives into innovation champions. Institutions like Bank of America and Morgan Stanley exemplify how this combats hesitation, fostering a culture where AI drives measurable value.

Training Technical Teams in FinTech

While AI literacy for leadership is essential, innovation doesn’t happen from the boardroom alone. It must be embedded across technical teams – engineers, analysts, data scientists, and product professionals – who build and maintain the infrastructure for change.

But here’s the critical point: you cannot innovate with an exhausted, overburdened, and undertrained workforce.

Many companies today are asking their software engineers to become AI engineers overnight. They're assigning responsibilities for data science, MLOps, predictive modeling, or chatbot design to backend developers who lack the training to handle data pipelines, model deployment, or even fundamental AI architecture. This isn't just inefficient – it's a recipe for failure.

Why Upskilling Pays Off

Let’s look at this through the lens of hard numbers.

A company with a technical team of 100 software engineers, data scientists, or IT professionals will, on average, lose 13 team members per year. For every engineer who leaves, the cost of replacement – including hiring, onboarding, training, lost productivity, and project disruption – averages $83,000. That means the company loses around $1.08 million per year due to attrition alone.

And this figure only reflects direct costs. It doesn’t include lost time on strategic initiatives, intellectual capital, or the hidden tax of slower innovation. These losses compound over time – especially when the market is rapidly adopting AI and you're left with gaps in capability.

Now compare that with the cost of strategic upskilling.

If you invest in targeted AI and data training at a rate of $5,000 per person per year, your total investment for 100 engineers is $500,000 per year. That’s less than half the cost of attrition.

But the ROI is even bigger when you account for what you gain:

• Stronger employee retention (engineers are more likely to stay when growing their skill set)

• Faster delivery of AI-powered features, internal tools, and customer experiences

• Reduced need to hire external consultants or chase niche AI talent in a hyper-competitive market

• Avoiding expensive failures caused by technical debt or improperly built models

When engineers are trained in areas like machine learning, LLM integration, NLP, MLOps, and data pipelines, they become innovation enablers rather than just code executors.

Hidden Cost of Overburdening Engineers

What many executives don’t realize is that undertrained engineers – especially when asked to build high-risk AI systems – can expose the company to massive business risk. They may build flawed recommendation systems, opaque risk models, or chatbot interactions that spiral into compliance disasters.

Modern AI systems require more than good coding skills. They also require:

• Deep understanding of how to clean, structure, and prepare data

• Familiarity with supervised vs. unsupervised learning

• Knowledge of transformer models, fine-tuning, vector search, embeddings

• Awareness of AI ethics, explainability, and regulatory frameworks

These skills are not taught in traditional software engineering programs, nor are they something engineers can "pick up on the job" during sprints. Asking your developers to do everything – from backend infrastructure to building black-box models – is not only unfair, it’s strategically reckless.

Upskilling Is Not a Cost — It’s a Hedge Against Brain Drain

Here’s the basic math again:

• Cost of attrition per year (100 engineers, 13 lost): $1,079,000

• Cost of upskilling per year (100 engineers, $5K each): $500,000

• Net savings from upskilling: $579,000 annually

And this is before counting the additional business value from faster launches, higher employee morale, and innovation that drives new revenue streams.

Investing in upskilling not only saves you money – it future-proofs your talent pipeline and makes your team more self-sufficient. Engineers who stay and grow are more likely to build products that push your business forward.

Motivation Through Growth

One of the most overlooked retention strategies in tech is personal and professional development. Talented engineers want to work at companies where they grow. When organizations ignore this, they create frustration, stagnation, and ultimately attrition.

On the other hand, those who invest in upskilling create a sense of purpose and momentum. Upskilled engineers are more confident, more collaborative, and more likely to take initiative in applying AI to business problems.

Training isn't a perk – it's a competitive edge.

Training Non-Technical Professionals: Empowering the 95% with AI Fluency

In the conversation around AI transformation, technical talent gets much of the attention – and rightly so. But the reality is this: 95% of the workforce in most organizations is not technical. And yet, 95% of employees are now asking for training in generative AI, according to a 2024 global workplace survey by edX and The Harris Poll.

This signals a shift in awareness: non-technical professionals understand that generative AI isn’t just a tool for developers – it’s a work enhancer, a productivity multiplier, and a competitive necessity.

From Fear to Fluency: Why Non-Tech Training Matters

The fear narrative around AI – that it will take away jobs – is real and palpable in many organizations. But the more strategic view is this:

Don’t fire your workforce. Train them.

Rather than replacing administrative staff, compliance officers, relationship managers, operations teams, and analysts, leading financial organizations are upskilling their existing talent to work with AI, not against it.

Training non-technical team members in generative AI offers two major business advantages:

1. Productivity gains: Teams can automate repetitive, low-value tasks and focus more on decision-making and strategy.

2. Talent retention: Employees feel more secure and valued when their employers invest in their future.

Use Cases: Where Non-Tech Teams in Finance Can Gain from AI Training

Non-technical employees in banking, asset management, insurance, and fintech can immediately apply generative AI tools across their workflows. Here’s how:

1. Compliance & Legal Teams

• Use ChatGPT or Claude to summarize regulatory documents, contracts, and internal audit reports.

• Use Phoenix to draft standard policies and regulatory templates, saving hours of manual editing.

• Extract key clauses from loan agreements or KYC policies.

• Draft internal memos or SAR summaries 2–3x faster.

2. Finance, Accounting, and Operations

• Automate spreadsheet generation and financial modeling using Microsoft Copilot in Excel.

• Reconcile data from multiple sources and generate summary reports.

• Draft and revise standard Jira tickets or issue documentation using Phoenix, bridging business and IT communication.

3. Sales, Relationship Management, and Customer Service

• Use generative chat tools to personalize client interactions.

• Draft follow-up emails, presentations, and pitch summaries.

• Summarize meeting transcripts and extract actionable items.

4. Marketing and Communications

• Use AI to generate segmented content for different client audiences.

• Produce A/B tested campaign text, product updates, and social posts.

• Translate campaigns quickly for global markets.

5. Risk & Audit

• Summarize findings from large datasets or transaction logs.

• Generate first-draft risk assessments and credit memos.

• Highlight inconsistencies or anomalies with contextual explanation.

The Cost of Not Training: A Missed Opportunity

Non-technical employees touch every part of your organization – operations, client relations, document handling, and decision support. If they are not AI-enabled, your business is flying with one wing.

Training these employees doesn't mean turning them into engineers. It means:

• Teaching them how to interact effectively with AI

• Helping them become critical evaluators of AI output

• Guiding them to avoid over-reliance or misuse of AI tools

This form of AI literacy is the new digital literacy – essential for everyone, not just technologists.

Chapter 7: AI for Executives, AI Education & Enablement in Finance – Workshops, Tools, Services, and Training Resources

The most innovative financial institutions no longer see AI training as a "nice-to-have." In an increasingly algorithmic economy, where generative AI tools are reshaping everything from compliance to capital allocation, AI education is an investment in strategic resilience.

This section offers a clear, credible breakdown of how to get your teams – executive and operational – up to speed through trusted workshops, tools, agencies, and courses. It emphasizes the value of enabling internal transformation instead of relying solely on outside hires.

AI Certifications for Banking Professionals

Several industry and educational organizations offer certification programs specifically designed for finance professionals:

1. Generative AI In Finance and Banking Certification: This program teaches applications of generative AI models, including generative adversarial networks (GANs) and transformers for predicting market trends, automating financial tasks, and enhancing customer experiences. You can learn more about the cert here.

2. Certificate in Digital & AI Evolution in Banking: This certification helps professionals understand the digital transformation in banking, including regulatory considerations and the risks and benefits of technology adoption. You can learn more about the cert here.

3. Machine Learning for Investment Professionals: Offered by the CFA Institute, this program focuses on machine learning applications specifically for investment management and analysis. You can learn more about the Investment Management with Python and Machine Learning specialization here, and the CFA Institute Machine Learning course here.

Columbia Business School's AI for Business & Finance Certificate Program is particularly noteworthy, as it "has been designed for professionals in the business and finance world who need to learn AI but don't really have a technical background". This eight-week course covers AI fundamentals, Python programming for finance, predictive analytics, and generative AI business applications.

Conclusion

In an era where artificial intelligence is reshaping the financial landscape, executives and teams need to recognize that adapting to AI is not just a strategic advantage – it's a survival imperative. Just as we've successfully navigated previous technological revolutions, from the internet and cloud computing to blockchain and big data, AI presents an opportunity to democratize access to cutting-edge tools, empowering a broader range of professionals to innovate in ways that were once unimaginable.

This inclusivity has already sparked breakthroughs in predictive analytics, risk management, and personalized services, allowing even smaller institutions to compete on a global scale. That said, AI's integration into finance is far from novel. Leading institutions have deployed these technologies for years, embedding them into core operations like fraud detection and algorithmic trading.

Yet, for newcomers or those refreshing their approach, the relevance remains profound. Ongoing updates and advancements – such as enhanced natural language processing models and real-time data ingestion capabilities – continually amplify the potential for investment managers, AI specialists, and broader teams, unlocking efficiencies and insights that elevate professional capabilities to new heights.

To harness this potential and maintain a competitive edge, continuous upskilling is essential. Executives and teams alike should commit to updating their knowledge base through targeted education programs, workshops, and resources, ensuring they stay ahead of the curve.

Ultimately, AI can be a force for profound good. At LunarTech, we don't foresee it leading humanity to doom – instead, in a world facing complex challenges like economic volatility and climate risks, AI stands as a powerful ally, one that could very well guide us toward solutions and a brighter future. By embracing it thoughtfully, the financial sector can lead this transformation, fostering innovation that benefits all.

Newsletters to Follow for FinTech

Our Newsletter

LUNARTECH Newsletter - https://lunartech.substack.com/

US Personal Finance & Investment Newsletters

• Money Stuff (Matt Levine, Bloomberg): Witty, in-depth takes on Wall Street and finance.

• TKer (Sam Ro): Stock market insights and long-term investment themes.

• Jill on Money (Jill Schlesinger): Financial news and expert advice, weekly.

• Behavior Gap (Carl Richards): Simple sketches and insights on money and decision-making.

• The Minority Mindset / Market Briefs (Jaspreet Singh): Daily, concise financial news and wealth-building tips.

• Exec Sum (Litquidity): Quick, reliable summaries of major finance news.

Baltic & Regional Newsletters

• Fintech News Baltic: News and trends in Baltic fintech, startups, and digital finance.

• Linas Beliūnas – FinTech Digest (LinkedIn): Personal insights on fintech, AI, and digital assets from a leading Lithuanian expert.

• Change Ventures Weekly: Baltic startup and VC news, funding rounds, and hiring.

• CFO Club Newsletter: Modern finance newsletter for tech sector CFOs and leaders-trends, tips, and innovation.

LunarTech AI for Executives

For leaders and frontline professionals who feel the pressure to “get AI” but don’t speak code, this 1- to 3-day program delivers exactly what you need: no fluff, no jargon. In clear language, we unpack how generative AI, large-language models, and regulatory frameworks such as the EU AI Act are reshaping compliance, risk, and client service.

Next, we roll up our sleeves. You’ll practice with ChatGPT, Phoenix, Gemini, and other curated tools to summarize 200-page reports in minutes, flag hidden risks, and automate repetitive workflows. Expect live demos, breakout labs, and case studies drawn straight from banking, asset management, and insurance.

By the final session you’ll have a road-ready playbook for piloting AI safely – from data-governance checklists to ROI metrics your CFO will love. Graduates leave with a certificate, a toolkit of prompts, and the confidence to champion AI initiatives inside their own departments.

• Format: Online or on-site, 1–3 days

• Cost: $997 per participant

Apply Here: https://lunartech.ai/programs/ai-for-executives

LunarTech Academy

Our Academy is the always-on learning hub that keeps finance professionals current long after the headlines fade. Courses are modular and industry-specific, so a portfolio manager can master forecasting in Python while a relationship manager explores generative-AI productivity hacks – all under one roof.

Every track is written by practitioners who ship models in production, not theorists. Expect bite-size videos, step-by-step notebooks, and capstone projects pulled from real trading, risk, and compliance datasets. Learners can move at their own pace or join live cohorts for instructor feedback and peer discussion.

Managers love us for the built-in LMS integration, progress analytics, and team licensing that scales from five seats to five hundred. Whether you need to onboard new hires fast or reskill an entire division, the Academy delivers measurable, trackable outcomes.

• Format: Self-paced or instructor-led; team licenses available

• Cost: $49.97 – $199.97 per month

Apply Here: https://academy.lunartech.ai/

Other Resources

• Lens | LUNARTECH - https://lens.lunartech.ai/

• YouTube | LUNARTECH - https://www.youtube.com/@lunartech_ai

• Linkedin | LUNARTECH - https://www.linkedin.com/company/lunartechai/

• Substack | LUNARTECH - https://lunartech.substack.com/

Did you know that organizations such as freeCodeCamp, Google, and Harvard offer online courses to help you learn software development? And that many of these include free certificates and badges?

To help you choose one that's right for you, I've created a full list.

As avid online learners, my Class Central colleagues and I have completed hundreds of online courses over the years, including many with free certificates, as you can see in the collage below.

In 2025, free certificates have become rarer. But if you know where to look, there is still an abundance of free certificates available online for learning software development.

Some of the free certificates earned by the Class Central team.

As you likely know, freeCodeCamp offers free certifications. But so do big tech companies and institutions such as Google, Microsoft, and Harvard.

In this article, we bring together all the free certificates and badges that are scattered across the web. In total, the platforms below offer over 900 free certificate courses for learning software development.

I (Dhawal) started Class Central back in 2011, when universities such as Stanford began to offer some of their courses online for free. Since then, the Class Central database has grown to over 250K online courses.

Having written about online education for over a decade, I remember when platforms like Coursera and edX offered free certificates. Then, rather abruptly, free certificates seemed to pretty much disappear.

This inspired us to write a Massive List of Free Certificates and Badges. To our surprise, we discovered there were still thousands of free certificates available online. To date, that article has received 10M views.

In the same vein, this article aims to draw attention to the organizations that continue to support open education in software development by offering free certificate courses. These include:

• Learning platforms — e.g. LinkedIn Learning, CodeSignal, and freeCodeCamp

• Leading universities — e.g. Harvard and the University of Helsinki

• Big tech companies — e.g. Google and IBM.

Please note, Class Central is not involved in running the courses or issuing certificates. This is a dynamic field and you may discover that a course you choose is no longer available, or doesn’t have a free certificate any more. We recommend you always check before starting a course.

freeCodeCamp Free Certifications

Archisha's freeCodeCamp free certificate

freeCodeCamp platform offers thousands of hours of learning content, broken down into certifications on subjects such as web development and data science.

Here are the certifications currently offered, several others are due to be released soon:

• Responsive Web Design Certification

• Front End Development Libraries Certification

• Back End Development and APIs

• Back End Development and APIs (in development) ★★★★★(3)

• Certified Full Stack Developer (in development)

• Relational Database

• JavaScript Certification

• Foundational C# with Microsoft

• Certified Full Stack Developer

• Python

While strictly not developer courses, A2 English for Developers and  B1 English for Developers focuses on vocabulary that is particularly useful for developers. Prepare for real-world interactions by applying English skills in professional and technical settings.

Cisco Free Badges

Cisco Network Academy

Cisco, the IT and networking giant, offers a series of self-paced online courses through its Networking Academy platform; some include free badges for skills learned. Here’s a selection:

• Introduction to Cybersecurity

• NDG Linux Unhatched

• NDG Linux Essentials

• CPA: Programming Essentials in C++

• Introduction to IoT

• Python Essentials 1

You can find the full list of Cisco Networking Academy courses here.

CodeSignal Free Certificates

Pat's free CodeSignal certificate

CodeSignal is a growing platform that offers 2000+ courses and learning paths with free certificates in coding, AI & ML, data science, interview prep, and more. As well as developer and IT certificates, CodeSignal teaches valuable soft skills.

Here’s a selection:

• Introduction to Programming with Python

• Four-Week Coding Interview Prep in Python

• Prompt Engineering for Everyone

• Comprehensive Introduction to Front-End Engineering

• JavaScript Programming for Beginners

• Java Programming for Beginners

• Implementing AI Algorithms from Scratch

• Introduction to Machine Learning with SciKit Learn

• Supercommunicators – Have Conversations that Matter

• Dare to Lead – Unlock Courageous Leadership

You can find more details in our dedicated article, and the full list of CodeSignal Learn courses.

Google Free Certificates and Badges

Pat’s free Google badge

Google has launched several initiatives to teach people skills such as coding, digital marketing, and data analytics. Some offer certificates, some have badges.

Here is a selection of Google’s offerings:

• Introduction to Generative AI

• Introduction to Responsible AI

• Introduction to Image Generation

• Planetary Scale Earth Observation with Google Earth Engine

• Introduction to Large Language Models

• Google Analytics Certification

• Build your first web app with Firebase

• Build apps with Flutter

• Introduction to SQL

• Get data from the internet

• Adapt for different screen sizes

• Kotlin fundamentals

• Develop locally with Firebase

• Make your Android app more accessible

• Build cross-platform apps with Angular

• Jetpack Compose basics

• Site Reliability Engineering: Measuring and Managing Reliability

• Attention Mechanism

• Transformer Models and BERT Model

• Create Image Captioning Models

• Encoder-Decoder Architecture

• Hybrid Cloud Infrastructure Foundations with Anthos

• Preparing for the Google Cloud Professional Data Engineer Exam

• Understanding Google Cloud Security and Operations

• Innovating with Data and Google Cloud

• Infrastructure and Application Modernization with Google Cloud

• Developing a Google SRE Culture

• Managing Change when Moving to Google Cloud

• Deploying SAP on Google Cloud

• The Modern Data Platform and LookML

• Digital Transformation with Google Cloud

• Managing and Securing the Apigee Hybrid API Platform

• Upgrading and Monitoring the Apigee Hybrid API Platform

• Preparing for Your Professional Cloud Security Engineer Journey

• Preparing for Your Associate Cloud Engineer Journey

• Preparing for your Professional Cloud Architect Journey

• Innovating with Data and Google Cloud

• Preparing for Your Professional Cloud Network Engineer Journey

• Design Foundations for Streaming with Google Cloud

• Introduction to Cloud Identity

You can find more details in our dedicated article and here is a complete list of courses by Google.

HackerRank Free Certificates

Manoel’s HackerRank free certificate

HackerRank is a platform for learning algorithms and data structures and preparing for coding interviews, provides skills certifications tests in topics such as problem solving, Python, and JavaScript.

Here are some of the 24 tests you may complete to earn a certificate:

• Problem Solving (Basic) Skills Certification

• Python (Basic) Skills Certification

• Java (Basic) Skills Certification

• C# (Basic) Skills Certification

• JavaScript (Basic) Skills Certification

• SQL (Basic) Skills Certification

• Go (Basic) Skills Certification

• R (Basic) Skills Certification

• Node (Basic) Skills Certification

Harvard Free Certificates

Pat’s Free Harvard CS50 Scratch Certificate

Harvard offers a series of academic online courses exploring various facets of computer science, including programming fundamentals and AI.

Here are Harvard’s current free certificate offerings. Remember that while you need an account with edX to submit the assignments, the free certificate comes directly from CS50.

• Introduction to Computer Science

• Computer Science for Business Professionals

• Introduction to Artificial Intelligence with Python

• Web Programming with Python and JavaScript

• Computer Science for Lawyers

• Introduction to Programming with Python

• Introduction to Programming with Scratch

• Introduction to Cybersecurity

• Introduction to Databases with SQL

• Introduction to Programming with R

You can find more details and how to receive your free certificate in our dedicated article and here is a complete list of courses from Harvard.

Hasso Plattner Institute Free Certificates

Hasso Plattner Institute free courses

The Hasso Plattner Institute offers a range of self-paced courses with free certificates of participation and achievement. Most courses are in German, but some are in English.

Here’s a selection of courses in English:

• Understanding Embeddings for Natural Language Processing

• Data Science Bootcamp

• Introduction to Bayesian Data Analysis

• Introduction to Quantum Computing with Qiskit (with IBM Quantum)

Hugging Face Free Certificates

Hugging Face courses

Hugging Face develops computation tools for building applications using machine learning and offers several courses, some with free certificates.

• Model Context Protocol (MCP)

• AI Agents

• Deep Reinforcement Learning

• Audio

IBM Free Certificates and Badges

The CognitiveClass.ai homepage

IBM’s platform CognitiveClass.ai offers 100+ courses and 10 learning paths in data science, AI, big data, cloud computing, and blockchain. Some courses offer a completion badge or certificate. Check on the Cognitive Class.AI course page for details.

The platform also provides a virtual lab environment allowing users to practice what they’ve learned in the courses.

Here’s a selection:

• Accelerating Deep Learning with GPUs

• Introduction to Open Source

• Text Analytics 101

• Applied Data Science with R

• Big Data Foundations

Pat’s free certificate and badge for Introduction to IBM Storage and Cloud

Some of the 24 free learning paths and 582 free courses from IBM Training have free certificates and badges available from IBM Training or via Credly. Courses are in a range of fields including AI, automation, infrastructure, cloud, security, and more.

Kaggle Free Certificates

Kaggle free certificate courses

Kaggle is an online community for data scientists and aspiring data scientists alike. It offers over 50K public datasets, allowing you to build your own data science projects through Jupyter notebooks, and participate in competitions.

In addition, the platform offers a series of courses to learn the fundamentals of data science. Each leads to a certificate of completion.

• Python

• Intro to SQL

• Advanced SQL

• Intro to Deep Learning

• Data Cleaning

• Time Series

• Computer Vision

• Intro to Machine Learning

• Pandas

• Data Visualization

• Intro to AI Ethics

• Machine Learning Explainability

• Feature Engineering

• Intermediate Machine Learning

• Intro to Game AI and Reinforcement Learning

LinkedIn Learning Courses with Free Certificates

Suparn’s LinkedIn Learning free certificate

LinkedIn Learning, the online learning platform integrated with the LinkedIn professional social network, offers more than a hundred online courses and learning paths that include a free certificate.

Here’s a selection of LinkedIn Learning free certificate courses:

• Programming Foundations: Fundamentals

• Programming Foundations: Beyond the Fundamentals

• Learning Data Analytics: 1 Foundations

• Learning Data Science: Understanding the Basics

• The Cybersecurity Threat Landscape

You can find more details and the full list or free certificates in our dedicated article, and here is a complete list of courses by LinkedIn Learning.

MATLAB Free Certificates

MATLAB free courses

MathWorks, the company behind the MATLAB programming language and software, offers 23 free online courses with certificates through their MATLAB Academy platform.

The courses introduce learners to the MATLAB language and tools — with a focus on machine learning — and MathWorks’ specialized software, such as Simulink. You can find all the details and how to receive your free certificate in our dedicated article.

Here’s a selection:

• MATLAB Onramp

• Machine Learning Onramp

• Reinforcement Learning Onramp

• Signal Processing Onramp

• Stateflow Onramp

• Circuit Simulation Onramp

• Deep Learning Onramp

• Wireless Communications Onramp

• Simscape Onramp

• Optimization Onramp

• App Building Onramp

• Object-Oriented Programming Onramp

• Computer Vision Onramp

• Simulink Onramp

• Control Design Onramp with Simulink

• System Composer Onramp

• Power Systems Simulation Onramp

Semrush Academy Free Certificates

Semrush Academy free courses

Although Semrush is primarily a business and marketing specialist, some of their free certificate courses are relevant for developers and IT professionals:

• On-Page and Technical SEO Course

• Mobile SEO Course with Greg Gifford

• Technical SEO course with Bastian Grimm

• Semrush SEO Crash Course with Brian Dean

University of Helsinki Free Certificates

Pat’s Elements of AI free certificate

The University of Helsinki offers academic online courses through its independent course platform, MOOC.fi, including the following courses which include a free certificate of completion:

• Elements of AI

• Full Stack open

• Java Programming

• Cyber Security Base

• Ethics of AI

upGrad Free Certificates

Suparn’s upGrad free certificate

upGrad is an online learning platform that offers free programs and courses on subjects such as data science, business analytics, and technology.

An e-Certificate of Completion is provided in 30 days after you successfully finish all the modules within your program. Your phone number is required while registering a course so you may receive calls and messages from upGrad.

Here are some of the free programs offered on upGrad:

• Programming with Python: Introduction for Beginners

• Introduction to Natural Language Processing

• Introduction to Data Analysis using Excel

• Introduction to Database Design with MySQL

• Data Science in E-commerce

• Introduction to NFTs

• E-Skills in Healthcare

• Core Java Basics

• Introduction to Blockchain Technology

FutureLearn Free Certificates

Elham’s FutureLearn free certificate

FutureLearn, the European counterpart to Coursera and edX, offers some courses that include a free “digital upgrade” — which, among others, entails a free certificate of completion.

Here’s a list of some of FutureLearn’s free offerings:

• Digital Skills: Digital Skills for Work and Life

• Digital Skills: Digital Marketing

• Digital Skills: Social Media

• Digital Skills: Artificial Intelligence

• Digital Skills: User Experience

• Introduction to Virtual, Augmented and Mixed Reality

• Digital Skills: Reimagine Your Career

• Digital Skills: Mobile

• Digital Skills: Web Analytics

You can find more details in our dedicated article and here is a full list of FutureLearn courses.

Wolfram U Free Certificates

Wolfram U free courses

The Wolfram Language is a powerful programming tool employed in science, engineering, data science, and finance. It combines math, data analysis, and general programming, and forms the core of Wolfram’s popular software, Mathematica. You can find all the details in our dedicated article.

Here is a selection of Wolfram U’s 40+ free certificate courses:

• Full Interactive Course for Introduction to Wolfram Language

• Quick Start to Wolfram Tech Course

• Wolfram Language Programming Proficiency

• Programming Fundamentals of Wolfram Language

• A Guide to Programming Course

• Practical Programming with Wolfram Language

• Wolfram Language Fast Introduction for Programmers Video Series

• Programming and Development in Wolfram Language Instructor Led Course

• Getting Started with Mathematica and Wolfram Language: Wolfram Daily Study Groups

• Wolfram Summer School Lectures: Online Course

• Visual Explorations in Data Science Course

• Multiparadigm Data Science, Interactive Online Video Course

• Introduction to Machine Learning

• Introduction to Neural Networks in Wolfram Language Class

• Data Visualization with Wolfram Language

• Wolfram Language and LLMs Instructor-Led Course

• Computational Xplorations

• Creative Computation, Online Video Course

• Introduction to Notebooks, Interactive Online Video Course

• Notebooks as Instructional Tools—Wolfram U Instructor-Led Course

• Wolfram Notebooks: Building and Sharing Technical Workflows

• Introduction to Image Processing, Interactive Online Video Course

• Signals, Systems and Signal Processing Course

More Free Certificates

If you don’t find what you need here, browse Class Central’s catalog of 250K courses or visit our thematic collections:

• Massive List of Thousands of Free Certificates and Badges

• Stanford Medicine Offers Courses with Free Certificate & CME Credit

• 470+ Hours of Free LinkedIn Learning Courses with Free Certification

• 300+ Free Digital Marketing Certificates

• 900+ Open University Free Certificates

• 600+ Courses from Top Med Schools with Free Certificate & CME Credit

You can find all our free certificates articles here.