Capsule 008: The 2028 Baseline Capsule Toolkit

Description

What it builds

An honest readiness score across five operating capabilities the UK’s 2028 baseline assumes are already running — plus a dated, Capsule-matched plan for closing whichever one scores lowest, well before the deadline creates the pressure to rush it.

The problem it solves

Most founders treat 2028 like a distant filing deadline: vaguely aware, filed under “deal with it later.” That instinct is backwards, because the baseline isn’t a form — it’s a standing capability, and capabilities take months to become trustworthy, not an afternoon to complete. The gap most SMBs actually face isn’t a knowledge gap; it’s a rhythm gap — a cash forecast built once and never re-run, a DSO figure nobody’s checked against a real sector benchmark, a financing decision made on habit rather than true cost. Starting in 2026 instead of 2027 isn’t about effort. It’s a year of practice you can’t buy back once it’s gone.

The five segments

1. What 2028 actually requires — a capability, not a checklist
2. Where most SMBs are falling short today — a rhythm gap, not a knowledge gap
3. Inside the readiness check — the baseline scorecard
4. Week one — scoring your own readiness
5. The plan to close the gap before it’s mandatory

What’s included

• Five video segments, 4–5 minutes each (~20 minutes total). Concept layer, application layer, no filler.
• 2028 Baseline Tracker (Excel) — How to Use, Readiness Scorecard, Gap-to-Capsule Mapping and Timeline Tracker sheets. Scores five capabilities honestly (cash rhythm, receivables discipline, financing clarity, rail cost awareness, embedded exposure), calculates overall readiness as their direct output, names the exact Capsule that closes your weakest dimension, and sets a real target date with genuine runway before 2028.
• The 2028 Baseline — Readiness Diagnostic (PDF) — fifteen minutes, done before building a closing plan. Scores all five dimensions on a 1–5 scale and sets your next quarterly re-check.
• Five-question knowledge check, one per segment, testing application rather than recall.
• The 2028 Baseline — One-Page Summary (PDF) — the whole capability on one page, kept beside the tracker.

Who it’s for

SMB founders, finance leads and operations leaders who want a plain, current answer to where they actually stand against the UK’s 2028 financial literacy baseline — and a specific next step, not a vague sense of unease about a deadline still a couple of years out.

Format

One-time purchase. Instant access, yours to keep. No subscription.

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FINTECH CAPSULES

Learn one important FinTech idea. Understand why it matters. Put it to work.

FinTech Capsules are focused, practical learning experiences built around the technologies, financial concepts, operating models and decisions that are changing how modern businesses work.

No 40-hour course. No academic detour. No technology hype. Just one important subject, explained clearly and connected to the decisions you actually have to make.

Choose your Capsule. Choose your format. Build your FinTech capability one high-value idea at a time.

THE PROBLEM

FinTech knowledge is becoming a competitive advantage — but most people don’t have time to become FinTech specialists.

Payments are changing. Banking is changing. Open Banking is changing how financial data moves. AI is changing financial operations. Embedded finance is changing customer journeys. Tokenisation is changing the infrastructure underneath markets.

Regulation is changing what businesses must do. And financial technology is increasingly becoming part of everyday business operations. The problem is not a lack of information. There is too much of it.

The challenge is knowing:

• What actually matters?
• What is changing?
• Why does it matter to my business or role?
• What should I understand now?
• What can I ignore?
• What should I do next?

That is what a FinTech Capsule is designed to solve.

WHAT IS A FINTECH CAPSULE?

A FinTech Capsule is a concentrated learning product built around one important FinTech subject.

Each Capsule takes a specific concept, technology, market development or operational issue and turns it into something you can understand and use.

Think of it as:

One subject. One clear mental model. One practical application.

• A Capsule may help you understand a technology.
• It may help you evaluate a business decision.
• It may explain a new financial infrastructure.
• It may decode a regulatory development.
• It may show you how a particular FinTech capability works in practice.

The objective is always the same:

Move from “I’ve heard of it” to “I understand what it means and what I can do with it.”

NOT ANOTHER ONLINE COURSE

Most learning products ask you to commit significant time before you know whether the subject will be useful.

Capsules work differently.

They are designed around specific problems, questions and capabilities.

You don’t need to enrol in a curriculum of dozens of modules.

You can start with the subject that matters to you now.

Then come back when another subject becomes relevant.

Build capability progressively — without having to stop running the business.

WHAT YOU GET

Every FinTech Capsule is designed to give you five things.

01 — CLARITY: Understand the subject without unnecessary jargon or technical complexity.

02 — CONTEXT: Understand where the subject sits within the wider financial and technology ecosystem.

03 — BUSINESS RELEVANCE: Understand why it matters to businesses, operators, finance teams, founders and decision-makers.

04 — PRACTICAL APPLICATION: Connect the concept to real decisions, workflows, opportunities, risks or operating situations.

05 — A BETTER QUESTION: The best learning does not simply give you an answer.

It changes the questions you ask.

A good Capsule should leave you thinking:

“Now I know what I need to investigate next.”

WHO ARE CAPSULES FOR?

FinTech Capsules are designed for people who need working knowledge, not an academic qualification.

FOUNDERS & BUSINESS OWNERS

Understand the financial technologies shaping your business before someone else makes the decisions for you.

SMB OPERATORS

Translate FinTech developments into better processes, better decisions and better operating performance.

FINANCE & OPERATIONS TEAMS

Build practical fluency in the technologies increasingly embedded in financial operations.

PRODUCT & TECHNOLOGY PROFESSIONALS

Understand the financial infrastructure behind products, platforms and customer experiences.

SALES & COMMERCIAL TEAMS

Understand the financial technology your customers, partners and prospects increasingly expect you to know.

PROFESSIONALS BUILDING THEIR NEXT CAREER

Develop FinTech literacy that can be applied across roles and industries.

WHAT CAN A CAPSULE COVER?

Capsules can cover subjects such as:

Payments

Real-time payments, payment orchestration, payment infrastructure, acquiring, reconciliation and payment operations.

Open Banking

Account information, payment initiation, APIs, data access and the changing relationship between banks and third parties.

AI & Financial Operations

AI-enabled finance, automation, intelligent workflows, forecasting and financial decision support.

Digital Identity

Identity infrastructure, verification, authentication and the role of trust in digital financial services.

Embedded Finance

How financial products become embedded inside non-financial customer journeys.

Tokenisation

What tokenisation actually means, where it is useful and how it could change financial infrastructure.

Stablecoins

The emerging role of regulated digital money and what it could mean for payments and financial operations.

FinTech Regulation

The regulations and regulatory developments businesses need to understand — without having to become lawyers.

Cash Flow & Working Capital

The technologies, systems and operating practices that influence the movement of cash through a business.

And much more.

CHOOSE HOW YOU LEARN

COURSE

Learn it. Work through it. Apply it.

Choose the Course format when you want a structured learning experience.

Courses are designed for buyers who want to:

• work through the subject systematically;
• learn at their own pace;
• complete practical activities;
• build deeper understanding;
• retain the knowledge;
• apply it to their role or business.

Best for: people who want learning + application.

eBOOK

Read it. Reference it. Keep it.

Choose the eBook when you want the ideas, frameworks and practical guidance in a portable reference format.

The eBook is ideal if you:

• prefer reading;
• want a permanent reference;
• need to absorb the material quickly;
• want to share selected ideas with colleagues;
• want to return to the material when a decision arises.

Best for: people who want knowledge + reference.

WHICH FORMAT SHOULD I BUY?

Choose the COURSE if:

You want to learn the subject properly and apply it.

Choose the eBOOK if:

You want to read, reference and revisit the thinking.

Still unsure?

Choose the format that matches how you naturally learn.

The objective is not to make you consume more content.

The objective is to make you more capable.

HOW A CAPSULE WORKS

1. START WITH THE QUESTION

What do you need to understand?

2. LEARN THE CORE IDEA

Get the concept explained clearly and without unnecessary complexity.

3. UNDERSTAND THE SYSTEM

See how the subject connects to technology, finance, regulation, operations and the wider market.

4. CONNECT IT TO REALITY

Explore the implications for businesses and professionals.

5. APPLY THE THINKING

Use the frameworks, questions and practical guidance to examine your own situation.

6. DECIDE WHAT COMES NEXT

Know what deserves further investigation — and what doesn’t.

WHY CAPSULES?

BECAUSE DEPTH DOES NOT ALWAYS REQUIRE LENGTH.

A focused subject can often transform the way you think about a problem.

You don’t need another information dump.

You need the right information, organised around the right question.

Capsules are deliberately narrow so that the learning can be deliberately useful.

THE YANKA GOLEMIN APPROACH

These products are not designed to turn you into a FinTech academic.

They are designed to help you think better about financial technology and its consequences.

The approach is:

Explain the technology.

Explain the economics.

Explain the operating implications.

Explain the strategic consequences.

Then ask what you should do about it.

That is the difference between knowing a term and possessing capability.

WHAT YOU SHOULD EXPECT

You should expect:

• clear explanations;
• practical frameworks;
• commercially relevant examples;
• questions worth asking;
• connections between technology and business;
• an operator’s perspective;
• material you can return to.

You should not expect:

• technology hype;
• unnecessary jargon;
• generic motivational content;
• academic theory for its own sake;
• hundreds of pages designed to make a product look bigger.

The value is in the thinking, not the page count.

BUILD YOUR OWN FINTECH LIBRARY

You don’t have to buy everything.

Start with the subject that matters most to you.

Then add another.

Then another.

Over time, your Capsules become a personal FinTech knowledge library — a collection of focused capabilities you can draw upon when the business, market or your career demands them.

One Capsule gives you knowledge.

A collection of Capsules gives you fluency.

Fluency changes the quality of your decisions.

FOR TEAMS

A Capsule can also become a shared language inside a business.

Instead of five people having five different interpretations of:

“Open Banking.” “AI in finance.” “Payment orchestration.” “Embedded finance.” “Tokenisation.” “Digital identity.”

A team can start from the same conceptual foundation. That makes discussion faster. Questions become better. Implementation becomes easier. And the organisation becomes less dependent on a handful of specialists.

Ask about team and enterprise options.

YOUR NEXT FINTECH CAPABILITY STARTS HERE

You don’t need to understand everything happening in FinTech. You need to understand what matters to you. Choose one subject. Learn it. Apply it. Then move to the next.

Build your FinTech fluency one important idea at a time.