Cross-functional squads, platform teams and product-oriented operating models accelerate execution. Clear ownership of journeys (onboarding, claims, lending, advice) prevents fragmentation.
Sector adoption maturity:
| Model | Banking | Insurance | Wealth | Fintech |
|---|---|---|---|---|
| Agile/Product | Medium–High | Medium | Low–Medium | Very High |
| Platform Teams | Medium | Low | Low | High |
| Journey Ownership | Medium | Medium | Low | High |