Born-digital firms have embraced next-generation organizational structures. The Spotify approach in particular is hogging the limelight. But what works in lean digital businesses might not be practical at Fortune 500 enterprises. Banks are struggling with embedding regulation and compliance into teamwork, adjusting their architectures to match tribe and squad work structures, and governing in a way that minimizes interdependencies. Application development and delivery (AD&D) professionals should read this report to learn best practices for Agile transformation in banking.