Turning Multi-Bank Complexity Into Clarity for GoTymeX
A Pod operating model that helps commercial, product and engineering teams act as one unit, improve flow, and deliver outcomes across markets.
GoTymeX is GoTyme Group’s technology and product development engine, building reusable banking assets that can be replicated and localized across markets.
Founded in 2016, GoTymeX serves as the Group’s Technology and Development Hub, bringing together engineering and product talent to help GoTyme build and scale digital banking operations across countries.
As GoTyme Group expanded its banking footprint, GoTymeX’s role became increasingly critical: powering multi-country operations with a platform designed for rapid iteration, stability, and reuse.
Industry: Fintech / Banking - Markets: South Africa, Philipines, Asia - Team: >600 Software engineers
The Challenge
GoTymeX operates as a technology provider for the banks within GoTyme Group. As additional banks joined the ecosystem, GoTymeX faced a recurring challenge:
- Delivering into multiple banks at oncewhile ensuring each bank’s priorities were met.
- Scaling teams per bank could work when supporting one or two banks, but it becomes increasingly unsustainable as the number of banks grows.
- Over time, this creates a familiar pattern: more stakeholders, more handovers, more competing priorities, and a higher risk of delivery becoming fragmented across “market silos.
To address this at the group level, GoTyme made a strategic shift: moving from multiple entities toward one global presence, GoTyme, aiming for shared direction and a more scalable operating model.
The work moved the organization from scaling by adding people to scaling by improving collaboration, flow, and shared ownership.
,Within 7 months, the first Pods began showing promising outcomes:
Our Approach & Scope
Rather than treating “Agile transformation” as a rollout project, the work focused on>embedding principles and creating an operating system that helps people collaborate in real life. The core move was to design for end-to-end flow and shared outcomes, not just better ceremonies.
1) Create cross-functional Pods with end-to-end ownership
GoTymeX introduced cross-functional Pods, each responsible for a product group or product family within bank operations (for example: Savings Accounts).
- Product engineering teams
- Product decision makers
- Commercial representatives from each bank
- Designers
- Business Analysts
- Local operations involvement when needed
2) Connect banks and engineers around one vision
A major obstacle was that commercial teams across banks and engineering teams had not historically worked closely together. The hardest part was not “process” but alignment and trust
- Turning “requirements passing” into shared product discovery and decision-making
- Replacing assumptions with direct conversations
- Creating a habit of working as one unit, across functions and across bank contexts
3) Make collaboration tangible through real working moments
To make the model stick, the focus was on practical rituals that build shared understanding:
- Review sessions where teams could demo progress, share learning, and discuss failures without blame
- Visible decision-making that helped people understand why something was prioritized
- Ongoing coaching on flow, team dynamics, and systems thinking, so the model didn’t degrade into new silos with new names
Testimonial
Jean-Francois Brown, Head of Program Management, GoTymeX
Chris Kruppa helped us turn a big operating model change into something disciplined and practical. He has been instrumental in enabling the roll-out with consistency while still bringing people along the journey. He embodies the values and principles of our way of working, and that is a reflection of how he engages with leaders and teams across functions alike. Despite being an external partner, Chris was never seen as a vendor. He became a trusted part of the group.
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