Agile scrum methodology for digital product development: a case study of yassir cash in Algeria

Abstract

The growing complexity of fintech product development in emerging markets has increased the need for flexible methodologies capable of adapting to regulatory and market constraints. Agile Scrum has emerged as a widely adopted framework for managing iterative product delivery, yet its application in regulated and cash-dominant environments remains underexplored. This research aims to examine how Agile Scrum was applied to develop and integrate Yassir Cash, a digital wallet, within the Yassir super app in Algeria. A qualitative case study method was used, drawing on semi-structured interviews with six team members, internal documentation, and observational data collected during a one-month internship. The results indicate that the team maintained consistent sprint cadence and applied a dual-track discovery-delivery model, while adapting the framework through a distributed Product Owner function, the absence of a Scrum Master, and regulation-first product decisions. As a conclusion, Agile Scrum can operate effectively in constrained fintech ecosystems when adapted to regulatory realities, but the absence of formal facilitation and end-user testing remain structural gaps that limit the full benefits of the framework.