Name: Northwind Digital Portfolio
Organization: Northwind Financial Services
Portfolio Type: Development Value Stream Portfolio
Established: 2022 (transitioned from project-based funding in Q3 2023)
Annual Lean Budget: €58.4M
The Northwind Digital Portfolio funds, aligns, and governs all customer-facing digital capabilities across retail and business banking - connecting enterprise strategy to execution through a continuous flow of value, delivered by long-lived Agile Release Trains operating under lean budgets and decentralized decision-making.
The portfolio funds and operates five Agile Release Trains, each aligned to a development value stream:
Horizon ART — Customer-facing digital banking (mobile app, web portal, authentication). 87 people, 9 teams. RTE: Marta Nowak.
Velocity ART — Payments processing platform (SEPA, instant payments, card switching, settlement). 102 people, 11 teams. RTE: Tomás Ferreira.
Total portfolio headcount: 132 people across 20 Agile teams.
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