IIARD International Institute of Academic Research and Development

INTERNATIONAL JOURNAL OF SOCIAL SCIENCES AND MANAGEMENT RESEARCH (IJSSMR )

E-ISSN 2545-5303
P-ISSN 2695-2203
VOL. 11 NO. 2 2025
DOI: 10.56201/ijssmr.vol.11no2.2025.pg.44.63

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Agile Software Engineering Framework for Real-Time Personalization in Financial Applications

Oluwakemi Famoti, Rahman Akorede Shittu, Bamidele Michael Omowole, David, Akokodaripon, Ogechukwu Nwanneka Ezechi, Chikezie PaulMikki Ewim, Hope, Ehiaghe Omokhoa, and Dennis Edache Abutu

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Abstract

The Agile Software Engineering Framework for Real-Time Personalization in Financial Applications offers a dynamic approach to developing user-centric solutions in the financial services sector. Rooted in Agile and Scrum methodologies, this framework emphasizes iterative development, continuous integration, and collaboration across cross-functional teams. As financial institutions face increasing pressure to innovate rapidly while maintaining strict security and compliance standards, Agile provides the flexibility needed to adapt to the fast-evolving digital landscape. This was designed based on the real-time personalization software development experience at Vanguard, which demonstrated the importance of incremental feature releases, fast feedback loops, and a robust CI/CD pipeline. By leveraging data-driven insights, financial institutions can personalize user experiences in real time, optimizing customer engagement and satisfaction. The Agile approach ensures that these features are not only deployed quickly but are also refined through ongoing testing and user feedback. Security and compliance are integrated into every sprint cycle, ensuring that personalization features meet regulatory requirements without compromising development speed. Additionally, this framework addresses challenges like integrating legacy systems and managing stakeholder expectations by promoting transparency, documentation, and iterative progress reviews. The framework’s key benefits include faster time- to-market for personalized financial products, improved customer satisfaction, and enhanced global competitiveness for the U.S. financial sector. As the demand for hyper-personalization grows, this Agile software engineering framework provides a scalable, secure, and efficient foundation for delivering cutting-edge financial solutions.

keywords:

Agile Software, Financial Applications, Engineering, Review

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