How does a banking group operating in multiple countries accelerate improvements in customer experience, particularly digital improvements, while still meeting the unique needs of individual countries? This was the challenge facing UniCredit, and the topic of my podcast with Francesco Vercesi, UniCredit's head of Agile, practice sharing and customer service. The answer, as his title implies, was to create a centralized Agile process, but with product owners in each country empowered to set their development priorities.