A few weeks ago, I came across a heated LinkedIn debate on estimation in Agile. Some argued that estimation contradicts the Agile Manifesto altogether. The sentiment? Estimating is a waste of time - and possibly harmful. There’s some truth to this. Estimations often lead to: Micro-management tendencies Time-consuming rituals like Planning Poker and long Story Refinement sessions Inaccurate forecasts Shifting scopes due to changing priorities make estimations no longer relevant Padding estimates to avoid risk, rather than encouraging lean delivery But these critiques mostly apply within the microcosm of the scrum team. And that’s the catch: scrum teams don’t operate in isolation. Beyond the boundaries of a sprint board lies the rest of the organization - marketing, sales, documentation and training, customer communications, product launches… All these functions rely on the output of scrum teams and need time to prepare. Without at least a rough sense of what’s coming and wh...
AI has already begun transforming financial services - from chatbots and robo-advisors to KYC automation, compliance, AML and credit risk scoring. These innovations are delivering efficiency gains and unlocking millions in cost savings, while driving hyper-personalized, proactive customer engagement. But we’re only just beginning to absorb the implications of generative AI and already the next frontier is arriving: AI agents . Unlike traditional AI, which reacts to commands, AI agents are autonomous systems capable of reasoning, planning and acting independently to pursue complex goals. Within financial institutions, they will become digital co-workers - resolving support tickets, optimizing procurement or identifying fraud anomalies without direct supervision. But the true revolution lies in the hands of the end user . Soon, customers will routinely delegate financial tasks to personal AI agents - from bill payments and online purchases ...