InfoQ Articles

DECEMBER 24, 2021

Technical debt is not primarily caused by clumsy programming, and hence we cannot hope to fix it by more skilled programming alone. Rather, technical debt is a third-order effect of poor communication. What we observe and label “technical debt” is the by-product of a dysfunctional process.

Agile 127

Agile 127

Agilemania

DECEMBER 27, 2020

In the previous article, we discussed how to measure and control technical debts. This article is to understand how technical debts get introduced and how to decide which technical debt needs immediate attention. appeared first on Agilemania.

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InfoQ Articles

SEPTEMBER 8, 2021

By Alex Omeyer, Nicolas Carlo, Maaren Dalmijn.

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Agilemania

DECEMBER 27, 2020

Previous articles of mine explained about, what is the technical debt and how this impacts the total cost of ownership. The articles also included why a Product Should care about the technical debt and allow the development team to refactor the code to control the technical debt. Anything that can be measured can be improved.

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InfoQ Articles

JUNE 18, 2021

advice for you to be inspired.

Agile 110

Agile 110

Roman Pichler

DECEMBER 4, 2018

Why Technical Debt Matters for Product People. But the quality of your product matters: It directly impacts your ability to achieve strategic product goals and make your products successful: Technical debt makes it hard to experiment with new ideas, release new features, and quickly respond to user feedback. [1].

Innovation 101

Innovation Digital User Experience Documentation 101

InfoQ Articles

MARCH 27, 2024

Only doing product-led work can lead to an unmaintainable system with lots of downtime. Unfortunately, getting time to work on the things that would prevent that can be challenging. Engineering roadmaps balance many competing demands, and the people making the decisions aren’t always the closest to the code.

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Insight Software

APRIL 26, 2021

Most companies, regardless of their size, rely upon debt financing to ensure that the bills get paid on time, that inventory levels are adequate, and that they can pay their employees promptly. What is a Debt Covenant Report? Debt to Equity Ratio (total debt divided by total equity).

Finance 52

Finance Supply Chain Banking 52

Agilemania

OCTOBER 29, 2020

If not done or partially… The post Can the team avoid Technical Debt completely? Over time, developers evolve on their technical skills and practices, which requires refactoring for the Products. appeared first on Agilemania.

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Agilemania

SEPTEMBER 25, 2020

Impact UNDONE Work – Delayed feedback cycle and the value delivery Technical Debt – Increased Total Cost of Ownership (TCO) You are the Product Owner, and If you have to decide, then which one will you care? To better deal with this situation, let’s understand what is Technical Debt and UNDONE work is all about?

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Smart Data Collective

MARCH 10, 2022

Coupled with higher interest rates and the whopping amount of student debt, the rising cost of education is taking a toll on students’ hopes for their financial futures. Trillion Student Loan Was the Second-Largest Debt Component in the US in 2021. At the end of 2021, American consumers reported a cumulative debt of over $15.24

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Data Analytics Data Analytics Big Data Predictive Analytics 256

IRM Connects

MAY 28, 2020

Regardless of their state of growth, all companies face a certain level of organizational debt, which can paralyze them if it’s not kept under control. The post Organizational Debt — A Necessary Evil appeared first on IRM Connects, by IRM UK | IT Blog. Alina Ghiarasim, Lead Business Analyst, EndavaAlina.

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Business Change Business Process Management Change Management Business Analysis 52

Smart Data Collective

FEBRUARY 11, 2023

The interest rate for those who are paying back their financial aid debt has risen considerably over the years and it’s expected to rise once again very soon, which puts a heavy amount of strain onto those who have thousands of dollars in student loan debt.

Big Data 297

Big Data IBM cost Retail Banking 297

Simplilearn

APRIL 3, 2022

Student loans are an unfortunate and sometimes inevitable part of college life for many students in the United States. Yet, long after many graduates have hung their hard-won diplomas on the wall and joined the working world, they are making what feels like a never-ending series of monthly payments to student loan providers.

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Blueprint

APRIL 19, 2022

As more organizations dive into process analysis, process improvement, and process modernization efforts like automation, they are quickly realizing that they have a lot of process debt.

Process Analysis 52

Process Analysis Business Process Management 52

Smart Data Collective

JANUARY 12, 2022

High-interest debt. Debt in itself isn’t bad, but some debts can turn into nightmares if you aren’t careful. Assess your outstanding debts and corresponding interest rates. Data analytics tools can help you track your debt more carefully. You will be able to track your debts more easily.

Data Analytics 294

Data Analytics Data Analytics Finance Banking 294

Think Agile

JULY 11, 2017

Some shared thoughts on dealing with technical debt in Agile development teams. T echnical debt is unavoidable in software development. These assumptions, when wrong, become Technical Debt. Technical Debt also consists of external changes affecting our ecosystems. Agile and Technical Debt.

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Agile Planning Documentation 40

Smart Data Collective

JULY 20, 2021

Customers must agree for lenders to see their transactional history and financial information during the application process – but this should be able to provide lenders with a better understanding of the customer’s borrower spending, including highlighting any gambling or debt problems with machine learning algorithms.

Banking 333

Banking Artificial Intelligence Planning Finance 333

BizAcuity

APRIL 28, 2019

According to a Federal Bank report, more than $600 billion of household debt in the U.S. A crisis that not only poses a serious threat to consumers, as debt accumulates interest, but may also cause trouble for businesses, as there is a chance that it may eat into their revenues. Cracking the Debt Collection Process.

Predictive Analytics 246

Predictive Analytics Artificial Intelligence Big Data Data Mining 246

Simplilearn

JULY 5, 2021

Dividends may affect capital structure: Retaining earnings increases common equity relative to debt. Dividends are payments made to stockholders from a firm's earnings, whether those earnings were generated in the current period or in previous periods. Financing with retained earnings is cheaper than issuing new common equity. Read More.

Finance 246

Finance 246

Smart Data Collective

JULY 7, 2022

They can make these determinations with existing financial ratios, such as P/E ratios, ROE (return on equity), debt-to equity and other variables. Identify Opportunities to Reduce Debt. You can find a number of great ways to reduce debt with data analytics. Optimize Your Investments.

Data Analytics 357

Data Analytics Data Analytics Data Mining Big Data 357

BA Squared

SEPTEMBER 25, 2020

Creating the wrong solution leads to process, data, and technical debt. We also create process debt in that when we want to make a future change it takes longer to implement due to so many places in the org performing the same process multiple ways.

Documentation 239

Documentation Innovation Business Analysis Business Analysis 239

Smart Data Collective

FEBRUARY 12, 2021

Liabilities – This has to do with the money you owe or your debt. Keep in mind that most people have more debt than their income (liability versus assets). For example, perhaps you want to pay off all your credit card debt, or maybe you want to develop an innovative or aggressive way to save for your retirement. Long-term Goals.

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Planning Banking Big Data Finance 225

BA Squared

JUNE 2, 2021

Great Agile BAs also help facilitate technical debt decisions with the PO and team. Technical debt can be tough to prioritize and it can take a good amount of conversation to create the shared understanding needed to agree on how to prioritize technical debt against new features.

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Customer Experience Customer Experience Vision Agile 246

Smart Data Collective

NOVEMBER 25, 2020

They must also pay close attention to debt to income ratios, total amount of outstanding debt, certain lifestyle choices and other actuarial factors. Each of these factors is assigned a different weight, with credit history and utilization accounting for two-thirds of the overall score.

Predictive Analytics 361

Predictive Analytics Planning 361

Smart Data Collective

MARCH 28, 2019

The policy can then be sold and invested in something else or else used to pay off debt such as a mortgage. For example, a husband who carries coverage on his wife may eventually reach the point financially where the death benefit protection is no longer needed in order to provide for the wife after the husband is gone.

Big Data 205

Big Data Digital Planning 205

Smart Data Collective

APRIL 1, 2020

Whilst these types of finance can offer a fast and effective injection of cash, they can incur large fees for missed repayment and using top-ups can often lead to a debt spiral – as it has for thousands of Britons. Use balance transfer credit cards.

Banking 223

Banking Artificial Intelligence Finance Government 223

Analysts Corner

JANUARY 7, 2024

While working with Legacy, you will also start treating debt differently, as, during analysis, you face years of aggregated tech or business debt. Ideally, you must not move that kind of debt from the Legacy to the new system.

Documentation 130

Documentation Vision Visualization Agile 130

Leading Agile

APRIL 11, 2024

But a shift in mindset isn’t going to address the real organizational issues, business architecture issues, technology architecture issues, HR issues, and technical debt that reside within your organization. And can we all agree that the daily standup wasn’t the missing piece when it comes to achieving our Transformational goals?

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Agile Business Architecture 136

My Agile Partner

OCTOBER 17, 2023

It is an iterative process aimed at reducing technical debt, eliminating redundancies, and optimizing performance. Reduction of Technical Debt: Technical debt is the accumulation of poor-quality code. It helps reduce this debt by gradually improving the existing code, making future development more efficient.

Documentation 52

Documentation Agile 52

Cprime

OCTOBER 24, 2023

Remember: technical debt impacts customers With an app or website, it’s easy to obsess over pixel-perfect designs and forget about technical debt piling up downstairs. Symptoms of excessive technical debt include degraded performance, frequent outages, and scalability limits.

Product Management 52

Product Management Product Management User Experience Documentation 52

InfoQ Articles

APRIL 5, 2023

Technical debt, especially in enterprise software, is a relevant problem that developers recurrently have to face.

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Techwell

DECEMBER 7, 2021

The longer maintenance is deferred—which is easy to do in the short term—the more expensive it becomes and the more difficult it can be to schedule.

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ElegantJ BI

SEPTEMBER 9, 2021

Business Problem: Decide Loan Eligibility based on Applicant’s Annual income, Employment Period, Debt to Income Ratio etc. Debt to Income Ratio. Input Data: Predictor/Independent Variable(s) to determine Applicant’s Loan Eligibility: House Ownership Status. Employment Length. Annual Income. Loan Verification Status.

Data Discovery 130

Data Discovery Banking Business Intelligence Business Intelligence 130

ElegantJ BI

SEPTEMBER 9, 2021

Business Problem: Decide Loan Eligibility based on Applicant’s Annual income, Employment Period, Debt to Income Ratio etc. Debt to Income Ratio. Input Data: Predictor/Independent Variable(s) to determine Applicant’s Loan Eligibility: House Ownership Status. Employment Length. Annual Income. Loan Verification Status.

Data Discovery 130

Data Discovery Banking Business Intelligence Business Intelligence 130

InfoQ Articles

OCTOBER 10, 2022

Avoiding excessive technical debt and ensuring systems are secure and performant becomes increasingly important. As teams grow, they will slow down, but it should not mean that teams stop delivering value that can power future business growth.

Agile 93

Agile 93

Smart Data Collective

JUNE 3, 2019

Debt and Income Ratio. Lenders use big data algorithms that take a very intricate look at your debt and income ratio. This ratio takes into account your monthly debt, including the amount that you would be taking on with your new loan. When you have a lower loan / value ratio, this will increase your chance of loan approval.

Banking 183

Banking IBM Support IBM Maintenance Big Data 183