Please don’t mix up ‘Agile Methodology’ as a messy methodology to build the system and product launch Every product launch require manual process to support , which fall behind the pace of traditional bank The definition of virtual bank should be data / technology driven mindset , which should not depend on manual process and let VB term as a fancy trap . IT have sufficient resources in SZ but cannot utilise and support the growth of the bank Management change their decision every second , which don’t care the effort that paid by employees IT development is not deemed as the cost on management perspective , everything can be changed in a second Product is not as competitive as other virtual bank , which don’t have a core product to earn revenue
