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Didier Debbaut | CTS-EMEA

FinTech Wealth Management expert with 30 years of successful track record, from Unicible/BCV to Odyssey and Temenos, plus hundreds of important banks across EMEA, APAC, and NAM.
► Background — from C-language code to C-suite in 30 years
• WealthSuite Triple’A Temenos TAP Plus expert
• crisis & change management
• complex multi-level project – program – portfolio management
• process architecture & governance, process optimization, BPO
• financial services software engineering FS FinTech
Career start as an innovative software engineer in startups ► to strategic advisory & turnaround for Tier1 & Tier2 Banks at senior C-level.
• T-shaped mastery of the latest key technologies, business, and operational practices in retail banking, asset management, core banking, PMS.
• Keen focus on improving productivity, client retention, and revenues through expertise in Program Management, Process Governance, and Optimized Delivery, augmented by know-how in complex issue resolution and value-driven E2E end-to-end implementations.
Temenos Practitioner accredited across WealthSuite and FrontOffice domains (FO, PM, TTI). Certified modules include Scripts & Formats, Implementation Methodology (T3TIM), Channels PM, APA Attribution, Constraint Management, Order Management, Data Security, WealthSuite Portfolio Management, and T24 Triple’A Interface. The Practitioner status anchors Didier’s capacity to operate as a Transformation Director, bridging certified product mastery with execution governance and program recovery.

Disclaimer —
The views and opinions expressed in this publication are those of the author, Didier Debbaut, and do not represent the views, positions, or policies of Temenos AG, its affiliates, clients, or partners. All information is shared in good faith and in the spirit of professional exchange, as part of an open, constructive contribution to the FinTech and WealthTech community.
Any technical references, opinions, or analyses are based solely on publicly available information and the author’s independent field expertise. They are offered for general informational and educational purposes only.
No confidential, proprietary, or non-public information related to Temenos products, clients, or business operations is disclosed or implied.
© Didier Debbaut — All rights reserved.

The Paradox of Agile and Waterfall: An Integrated Approach to Project & Program Management in FinTech Wealth Management Software

The debate between Agile and Waterfall is not a zero-sum game. Each methodology has its merits and drawbacks, and the choice between the two is often dictated by the specific requirements and constraints of a project or program. However, for projects that demand both structure and flexibility, a hybrid approach can offer a balanced solution.

Project Management & DevOps: Why Waterfall and Agile Need Each Other

In practice, it is not about choosing between Waterfall and Agile; it's about knowing when to use each. Structure and flexibility are complementary and not mutually exclusive. So, the next time someone tries to sell you on the "one true methodology", remember: the most innovative solutions often come from combining the best of multiple worlds. It's not about only waterfall or agile, but a lot of other methodologies, too.

The Hacker Ethos in the Dawn of Software Engineering: A Retrospective on the 1960s and 1970s with its Focus on Functionality First

The 1960s and 1970s were a period of rapid innovation and improvisation in software development. The primary focus was on creating functional software within the constraints of the available hardware and the absence of formal methodologies. While this approach had its limitations, leading to the software crisis of the late 1970s, it also fostered a culture of innovation and problem-solving that has shaped the field to this day. As we look back on this formative era, it serves as a poignant reminder of the trade-offs between functionality and sustainability, between rapid innovation and long-term viability.
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CTS-EMEA (ConsultingTeam.Solutions) is where Swiss operator elite squads turn board strategy into results. Swiss-led since 1990 by Elena Debbaut and former C-suite operators, we deliver tech-enabled turnarounds, operational restructuring, plus AI-driven digital transformations.

CTS Data Solutions, our engineering and diagnostic division, codifies field-tested playbooks to uncover cash leaks, release delays, and technology governance gaps. CTS-EMEIA Labs then builds GDPR-safe analytics, zero-trust security, and DevSecOps toolkits — deployed within our Execution Framework™ our proprietary delivery structure — by CTS-EMEA with Debbaut.Solutions on live mandates for boards, PE operators, and tech leaders.

200+ rescues · €480M preserved

  • We stop cash burn · Reboot cloud stacks · Stabilise supply chains · Hard-wire DevSecOps · Re-anchor KPIs that lift EBITDA
  • Sectors: FinTech • WealthTech • FMCG • Manufacturing • Integrated Marketing • Private Equity
  • Regions: Switzerland · Benelux · EMEA · also serving India

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