Agile methodologies: Scrum for innovation in credit processes Agile methodologies: Scrum for innovation in credit processes
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Abstract
It is unknown how the agile Scrum method can be applied to certain economic activities, for example, during credit processes, and there is a complete absence of studies that record the influence of this methodology on the operations of financial institutions. In this context, this article aims to show the impact of implementing the Scrum method in credit processes to analyze its application benefits regarding operational management optimization. This identification addressed opportunities to innovate or improve credit granting by analyzing the agreement of experts regarding the relevance of a set of 24 innovation opportunities for credit granting processes. Then, an analysis of an experimental nature was created, from which a treatment group was formed, which included the projects where the Scrum methodology was applied, and a control group, that is, initiatives that were developed using traditional methods. After that, a Student's t-test was performed to determine the effect on operational management through analysis and inference of mean difference between the groups. From this analytical exercise it was determined that there is an effect derived from the application of the Scrum method in credit processes since significant improvements are observed in operational efficiency, reduction of approval times and increase in levels of customer satisfaction, which was the objective of the present investigation.
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Daniel Sebastián Ulloa-Ulloa, Universidad Tecnológica Indoamérica - Ecuador
Daniel Sebastián Ulloa Ulloa, a Business Engineer graduated from the Escuela Superior Politécnica de Chimborazo, has a solid background in administration, finance, and economic inclusion. Born in Ambato on May 13, 1996, he has demonstrated commitment and leadership in roles such as Operations Manager and Customer Service Officer at Asociación Mutualista Ambato. He has experience in research, community outreach, and public service, along with notable participation in congresses, seminars, and financial training programs. He is the author of academic publications on strategic planning and neuromarketing. He has received scholarships for academic excellence and artistic activities. His profile is distinguished by strong professional ethics, communication skills, and a deep sense of service.
María Gracia Baquero-Valladares, Universidad Tecnológica Indoamérica - Ecuador
She holds a degree in Accounting and Auditing from the Escuela Superior Politécnica de Chimborazo; a Master's degree in Accounting and Auditing with a specialization in Operational and Financial Risks from the Pontificia Universidad Católica del Ecuador; and a professor in the Faculty of Economics, Administration, and Business at the Universidad Tecnológica Indoamérica
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