"A Comprehensive Review On The Assessment Of Agile Maturity Models For Enhancing Team Efficiency In Mid-Sized Fintech Organizations In Bengaluru"

Abstract

In today’s fast-paced digital economy, mid-sized fintech organizations in Bengaluru are increasingly adopting Agile practices to enhance adaptability, team performance, and customer responsiveness. However, the depth and effectiveness of Agile adoption require more than basic implementation—it necessitates rigorous evaluation through Agile Maturity Models (AMMs). This study conducts a comprehensive review of the assessment of AMMs, focusing on their role in enhancing team efficiency within the fintech ecosystem of Bengaluru. The primary objective is to examine existing Agile Maturity Models such as AMM, CMMI, and SAFe and assess their relevance, adaptability, and impact on team-level outcomes in mid-sized fintech firms. The study employs a systematic review methodology guided by PRISMA 2020 guidelines, drawing from 348 articles across major academic databases. After successive screenings, 24 studies were selected for in-depth analysis. The findings reveal that higher levels of Agile maturity consistently correlate with improved sprint predictability, enhanced collaboration, and faster delivery cycles. However, the review also underscores that generic maturity models often fail to capture the nuanced challenges of fintech firms in Bengaluru, such as regulatory compliance, scaling constraints, and local market dynamics. The discussion highlights the importance of contextual adaptation, leadership involvement, and continuous reassessment in making AMMs effective. The study concludes that Agile maturity is a dynamic journey and not a fixed state. It recommends that fintech firms adopt hybrid and regionally customized models to maximize team efficiency. These insights offer valuable guidance to Agile practitioners and organizational leaders aiming for sustainable Agile transformation.