FinTech companies are challenging established financial institutions' dominance by offering the same products with a superior customer experience and delivering new features faster. The adoption of agile software development partially enables this competitive advantage. In response to this challenge, banks explore how they can improve their agile processes. LHV, a mid-sized bank, uses agile practices but faces the challenge of further improvement to stay competitive with FinTech companies. In this article, we explore how LHV can improve its agile software development process. We conduct a case study at LHV where we first derive eight change proposals based on a literature review and interviews. Then, we report on how LHV implemented the change proposals and their perceived impact. Our results stress the importance of taking a coherent approach to improving agile processes by considering both business units and operations involved in the product life-cycle. It is also necessary to align organizational structures to enable team autonomy by, for instance, decentralizing decision authority. Finally, it is beneficial to adapt agile practices to their context and have an IT architecture and technology supporting the agile approach.

中文翻译：

---

加强银行业的敏捷软件开发——LHV 的综合案例研究

金融科技公司正在通过提供具有卓越客户体验的相同产品和更快地提供新功能来挑战成熟金融机构的主导地位。采用敏捷软件开发部分地实现了这种竞争优势。为应对这一挑战，银行探索如何改进其敏捷流程。LHV 是一家中型银行，采用敏捷实践，但面临着进一步改进以保持与金融科技公司竞争的挑战。在本文中，我们将探讨 LHV 如何改进其敏捷软件开发流程。我们在 LHV 进行了一个案例研究，我们首先根据文献回顾和访谈得出了八项变革建议。然后，我们报告 LHV 如何实施变更提案及其感知影响。我们的结果强调了通过考虑产品生命周期中涉及的业务部门和运营，采取一致的方法来改进敏捷流程的重要性。还需要调整组织结构以实现团队自治，例如通过分散决策权。最后，使敏捷实践适应其环境并拥有支持敏捷方法的 IT 架构和技术是有益的。