Agility 2.0: The Impact of AI Integration on the Operation of a Financial Institution

Abstract

In recent years, the rapid development of artificial intelligence (AI) technologies has significantly impacted various areas of corporate operations – especially those where agile methodologies are already embedded in everyday practice. This study examines how AI is transforming workflows, decision-making mechanisms, performance indicators, as well as human behavior and attitudes toward work within the agile operation of a financial institution. The research is based on a questionnaire survey completed by members of the agile team of a Hungarian financial institution, along with in-depth interviews conducted with several senior managers and professionals working in agile roles. These sources provide insights into experiences, attitudes, and organizational maturity related to the implementation of AI. The study explores how AI tools are integrated into daily routines, including task automation, predictive analytics, and more efficient collaboration. It highlights the differing perceptions of AI across various roles – from developers to product owners to executives – and sheds light on the coexistence of optimism and skepticism. Special attention is given to the challenges of aligning AI capabilities with agile principles such as flexibility, transparency, and continuous improvement. The aim of the research is to support financial institutions in developing more conscious and strategic approaches to AI adoption. The findings contribute to understanding how new technologies can become real competitive advantages in the agile environment of the future.