The transition from conventional full-cell patterns to half-cell modules in the photovoltaic (PV) industry promises enhanced stability and efficiency. This study investigates the thermomechanical behaviour and stress distribution within half-cell and full-cell PV modules during the manufacturing and operational phases. Using finite element modeling, the research simulates sequentially the manufacturing and operating processes such as laser cutting, soldering, lamination, mechanical loading and thermal cycling. The Extended Finite Element Method (XFEM) predicts crack initiation and propagation in the crack-sensitive regions in PV modules during their entire life. Key findings highlight stress concentrations during manufacturing, influenced by parameters like laser power, scribing length and Silicon wafer size. Mechanical loading (ML) and thermal cycling (TC) induce additional stresses, impacting module reliability. The results are useful for the optimization of material properties and the development of advanced design strategies contributing to the durability and efficiency of PV systems.