By team
Where the cost sits, team by team
Payments
Core banking rails · 17 engineers
Earliest period held,
no baseline to move against
$144,039
$8,473 per engineer in May
What is driving it
Measured against the departmental position
- 41%
Refinement quality
of items entered development without agreed acceptance criteria
- 3.1
WIP per engineer
against a departmental average of 1.9
- 44 days
Rework
spent redoing work already called done
- 24 days
Median cycle time
against 9 days across the department
Most expensive items in Payments
Open one to see its arithmetic
| Item | Cost | |||
|---|---|---|---|---|
PSD2 consent renewal journey (branch channel) PAY-4283·Compliance· no acceptance criteria | 50d | +41d | - | $10,435 |
Consumer duty outcome reporting PAY-4170·Compliance | 42d | +33d | - | $7,491 |
Transaction monitoring thresholds PAY-4353·Compliance· no acceptance criteria | 44d | +35d | 0.5d | $7,383 |
Consumer duty outcome reporting (mobile channel) PAY-4089·Compliance· no acceptance criteria | 38d | +29d | - | $6,337 |
Sanctions list refresh cadence PAY-4247·Compliance | 33d | +24d | - | $6,204 |
64 items completed in Payments in May 2026. The five above account for 26.3% of its cost of delay.