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team",202872,"image\u002Fjpeg",[224,229,230,235,239],{"name":225,"url":226,"width":227,"height":228},"FOCAL_POINT32_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_small\u002Fpublic\u002Fimages\u002Fagile-product-development-team_0.jpg.webp?itok=4VIcZQkK",800,533,{"name":225,"url":226,"width":227,"height":228},{"name":231,"url":232,"width":233,"height":234},"FOCAL_POINT169_MEDIUM","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_16_9_medium\u002Fpublic\u002Fimages\u002Fagile-product-development-team_0.jpg.webp?itok=plxVJXBw",1200,675,{"name":236,"url":237,"width":218,"height":238},"FOCAL_POINT169_LARGE","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_16_9_large\u002Fpublic\u002Fimages\u002Fagile-product-development-team_0.jpg.webp?itok=-yaQzK7q",720,{"name":236,"url":237,"width":218,"height":238},"agile-product-development-team.jpg",{"processed":242},"\u003Cp>Discover how we leveraged agile product development to help LV= create an MVP for a blended retirement solution in just 7 months.\u003C\u002Fp>",{"id":244,"sharedMediaLegend":215,"mediaImage":245,"name":240},"167374",{"url":246,"width":218,"height":219,"alt":220,"title":215,"size":221,"mime":222,"variations":215},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fagile-product-development-team.jpg",{"id":248,"sharedMediaLegend":215,"mediaImage":249,"name":255},"167373",{"url":250,"width":218,"height":251,"alt":252,"title":215,"size":253,"mime":254,"variations":215},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Flv-logo.png",370,"Liverpool Victoria logo",318967,"image\u002Fpng","lv-logo.png",[257,264,270,301,306,333,355,364,387],{"__typename":258,"id":259,"ctaLink":215,"pgSharedText":260,"pgSharedTitle":215,"pgSharedCtaLink":215},"ParagraphPgText","23087",{"value":261,"processed":262,"format":263},"\u003Cul>\r\n\t\u003Cli>\r\n\t\u003Cp class=\"text-lead\">Fully-functioning solution delivered in 7 months\u003C\u002Fp>\r\n\t\u003C\u002Fli>\r\n\t\u003Cli>\r\n\t\u003Cp class=\"text-lead\">LV= brings to market a seamless suite of IFA offerings, one year ahead of competitors\u003C\u002Fp>\r\n\t\u003C\u002Fli>\r\n\t\u003Cli>\r\n\t\u003Cp class=\"text-lead\">Zühlke collaboration translates business needs into technical solutions\u003C\u002Fp>\r\n\t\u003C\u002Fli>\r\n\u003C\u002Ful>\r\n","\u003Cul>\n\t\u003Cli>\n\t\u003Cp class=\"text-lead\">Fully-functioning solution delivered in 7 months\u003C\u002Fp>\n\t\u003C\u002Fli>\n\t\u003Cli>\n\t\u003Cp class=\"text-lead\">LV= brings to market a seamless suite of IFA offerings, one year ahead of competitors\u003C\u002Fp>\n\t\u003C\u002Fli>\n\t\u003Cli>\n\t\u003Cp class=\"text-lead\">Zühlke collaboration translates business needs into technical solutions\u003C\u002Fp>\n\t\u003C\u002Fli>\n\u003C\u002Ful>","full_html",{"__typename":258,"id":265,"ctaLink":215,"pgSharedText":266,"pgSharedTitle":269,"pgSharedCtaLink":215},"22352",{"value":267,"processed":268,"format":263},"\u003Cp>LV= is a UK-based insurance company that serves 5.7 million customers with a range of financial products. In 2014, the company faced unprecedented uncertainty when the rules governing UK pensions changed, plunging the financial services industry into turmoil.\u003C\u002Fp>\r\n\r\n\u003Cp>The Chancellor of the Exchequer announced that people would no longer be required to buy an annuity and instead have greater flexibility in accessing their pensions. LV= urgently needed to find another way of doing business, identifying opportunities to sell new products to new and emerging markets.\u003C\u002Fp>\r\n\r\n\u003Cp>‘When the dust cleared, we saw that LV= was in a potentially strong place’, explains Richard Warner, COO at LV=. ‘We were one of the few companies to have a wide variety of “at retirement” products such as enhanced annuity, drawdown, and equity release schemes. The snag was, they had been developed as standalone products, not a unique set of single-stop solutions’.\u003C\u002Fp>\r\n","\u003Cp>LV= is a UK-based insurance company that serves 5.7 million customers with a range of financial products. In 2014, the company faced unprecedented uncertainty when the rules governing UK pensions changed, plunging the financial services industry into turmoil.\u003C\u002Fp>\n\n\u003Cp>The Chancellor of the Exchequer announced that people would no longer be required to buy an annuity and instead have greater flexibility in accessing their pensions. LV= urgently needed to find another way of doing business, identifying opportunities to sell new products to new and emerging markets.\u003C\u002Fp>\n\n\u003Cp>‘When the dust cleared, we saw that LV= was in a potentially strong place’, explains Richard Warner, COO at LV=. ‘We were one of the few companies to have a wide variety of “at retirement” products such as enhanced annuity, drawdown, and equity release schemes. The snag was, they had been developed as standalone products, not a unique set of single-stop solutions’.\u003C\u002Fp>","Finding opportunity during a crisis",{"__typename":271,"id":272,"eyebrow":215,"pgQuoteRefQuote":273,"hideImage":215,"hideFunctionAndCompany":215,"bigQuote":215},"ParagraphPgQuote","22353",[274],{"status":7,"id":275,"promote":276,"quotePersonDesc":277,"quotePersonName":278,"quoteText":279,"profileImage":280,"title":300},"22449",false,"COO at LV=","Richard Warner","We needed to find a way of presenting these options in one easy-to-understand platform. This was a hugely attractive goal. Get it right, and we could offer independent financial advisors [IFAs] instant access to a unique suite of solutions at a time of unprecedented uncertainty.",{"id":281,"sharedMediaLegend":215,"mediaImage":282,"name":299},"167381",{"url":283,"width":284,"height":284,"alt":278,"title":215,"size":285,"mime":222,"variations":215,"quoteVariations":286},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Frichard-warner-lv.jpeg",500,28867,[287,291,294,297,298],{"name":288,"url":289,"width":290,"height":290},"FOCAL_POINT11_EXTRA_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_extra_small\u002Fpublic\u002Fimages\u002Frichard-warner-lv.jpeg.webp?itok=8VsPrh9V",400,{"name":292,"url":293,"width":284,"height":284},"FOCAL_POINT11_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_small\u002Fpublic\u002Fimages\u002Frichard-warner-lv.jpeg.webp?itok=KSok05wx",{"name":295,"url":296,"width":284,"height":284},"FOCAL_POINT11_MEDIUM","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_medium\u002Fpublic\u002Fimages\u002Frichard-warner-lv.jpeg.webp?itok=AU8NvQ1N",{"name":295,"url":296,"width":284,"height":284},{"name":295,"url":296,"width":284,"height":284},"richard-warner-lv.jpeg","LV= Richard Warner 1",{"__typename":258,"id":302,"ctaLink":215,"pgSharedText":303,"pgSharedTitle":215,"pgSharedCtaLink":215},"22354",{"value":304,"processed":305,"format":263},"\u003Cp>LV= needed to deliver a new product platform to a fixed deadline, but the precise set of requirements was very unclear. The only certainty was that the waterfall software delivery methodology, traditionally employed by LV=, simply wouldn’t work in this scenario. It was too slow and ponderous to meet the immutable timeline. Agile product development was the only viable option.\u003C\u002Fp>\r\n\r\n\u003Cp>Achieving this ambitious objective called for the support of an expert partner with a proven track record in agile delivery. A partner who could also lead by example and inspire cultural change within the LV= delivery teams. That chosen partner was Zühlke.\u003C\u002Fp>\r\n","\u003Cp>LV= needed to deliver a new product platform to a fixed deadline, but the precise set of requirements was very unclear. The only certainty was that the waterfall software delivery methodology, traditionally employed by LV=, simply wouldn’t work in this scenario. It was too slow and ponderous to meet the immutable timeline. Agile product development was the only viable option.\u003C\u002Fp>\n\n\u003Cp>Achieving this ambitious objective called for the support of an expert partner with a proven track record in agile delivery. A partner who could also lead by example and inspire cultural change within the LV= delivery teams. That chosen partner was Zühlke.\u003C\u002Fp>",{"__typename":307,"id":308,"caption":215,"imageRight":7,"pgSharedTitle":309,"pgSharedCtaLink":215,"textMedia":310,"pgSharedText":330},"ParagraphPgTextMedia","22355","Embracing the agile product development approach",{"id":311,"sharedMediaLegend":215,"mediaImage":312,"name":329},"167377",{"url":313,"width":218,"height":219,"alt":314,"title":215,"size":315,"mime":222,"variations":215,"textMediaVariations":316},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fagile-team-discussing-a-project.jpg","Agile team discussing a project",104627,[317,322,323,324,328],{"name":318,"url":319,"width":320,"height":321},"FIXED_WIDTH_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffixed_width_small\u002Fpublic\u002Fimages\u002Fagile-team-discussing-a-project.jpg.webp?itok=MGZTj66Y",900,600,{"name":318,"url":319,"width":320,"height":321},{"name":318,"url":319,"width":320,"height":321},{"name":325,"url":326,"width":233,"height":327},"FIXED_WIDTH_MEDIUM","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffixed_width_medium\u002Fpublic\u002Fimages\u002Fagile-team-discussing-a-project.jpg.webp?itok=Jk6xpWpm",801,{"name":325,"url":326,"width":233,"height":327},"agile-team-discussing-a-project.jpg",{"value":331,"processed":332,"format":263},"\u003Cp>With the support of LV=’s CIO and senior leadership, a dedicated agile delivery team, combining Zühlke experts and LV= personnel, was formed in LV=’s Hitchin office. \u003C\u002Fp>\r\n\r\n\u003Cp>Agile delivery is based upon the principle of creating a working set of functions in a number of discrete and focused ‘sprints’. The working functions are then presented to business customers in ‘show and tell’ sessions. These sessions are a prime opportunity to share – at a very formative stage – the work produced by the project team. They also elicit vital feedback which helps to keep the project on track for delivery against clear business objectives.\u003C\u002Fp>\r\n\r\n\u003Cp>Right from the start, it was agreed that this Hitchin-based team must be fully empowered and very inclusive. All stakeholders – from the IT areas right across to the business functions – were given a powerful voice at every stage of the process. \u003C\u002Fp>\r\n\r\n\u003Cp>Led by a product owner – the ‘ringmaster’ responsible for taking decisions and making statements about the project’s scope and criteria – and coached by our agile experts, the team’s first goal was to create the ‘walking skeleton’. Effectively, this was a top line representation of the end product which the team would ultimately deliver.\u003C\u002Fp>\r\n\r\n\u003Cp>By agreeing on the scope of the project, the team could then create a list of prioritised requirements – the product backlog. While the ‘walking skeleton’ was being constructed, the working environment was being finalised. At the same time, our team delivered initial workshops which introduced LV= to SCRUM, the agile methodology that was used extensively to drive the project forward.\u003C\u002Fp>\r\n","\u003Cp>With the support of LV=’s CIO and senior leadership, a dedicated agile delivery team, combining Zühlke experts and LV= personnel, was formed in LV=’s Hitchin office. \u003C\u002Fp>\n\n\u003Cp>Agile delivery is based upon the principle of creating a working set of functions in a number of discrete and focused ‘sprints’. The working functions are then presented to business customers in ‘show and tell’ sessions. These sessions are a prime opportunity to share – at a very formative stage – the work produced by the project team. They also elicit vital feedback which helps to keep the project on track for delivery against clear business objectives.\u003C\u002Fp>\n\n\u003Cp>Right from the start, it was agreed that this Hitchin-based team must be fully empowered and very inclusive. All stakeholders – from the IT areas right across to the business functions – were given a powerful voice at every stage of the process. \u003C\u002Fp>\n\n\u003Cp>Led by a product owner – the ‘ringmaster’ responsible for taking decisions and making statements about the project’s scope and criteria – and coached by our agile experts, the team’s first goal was to create the ‘walking skeleton’. 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LV= not only met this deadline but also created the first blended retirement solution supported by a bespoke ‘Retirement View’ platform.\u003C\u002Fp>\r\n\r\n\u003Cp>‘Retirement View’ provided a super-flexible architecture – a versatile framework to support the company and its many thousands of IFAs for years to come. That is the lasting legacy of this project.\u003C\u002Fp>\r\n\r\n\u003Cp>With Zühlke’s help, LV= got at least a 6 months’ head start over competitors, and an internal audit revealed that this development has delivered the highest ROI of any LV= project at the time.\u003C\u002Fp>\r\n","\u003Cp>The pensions industry had just a few months to adapt to a radical set of new rules. 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