<![CDATA[Balancing agile adaptability with stringent regulatory compliance, a challenge that leads to issues such as rigid timelines, project delays, and low team morale in banking environments. The research adopts Design Science Research Methodology (DSRM) to develop a novel agile methodology, conceptualized as a practical artifact. The problem space was thoroughly investigated through qualitative methods, including Forum Group Discussions (FGD) and an internal organizational evaluation questionnaire. This diagnostic phase critically informed the design and iterative refinement of a novel agile methodology, conceptualized as a practical artifact. The proposed methodology is structured around the Essence SEMAT kernel, a standardized body of core software engineering concepts that provides a common ground for integrating practices. The designed artifact is a methodology that helps streamline workflows and integrate agile practices with compliance processes. A diagnostic evaluation of an initial agile pilot yielded only a 35% success rate due to a misalignment between theoretical agile principles and practical execution. The findings confirm pervasive weaknesses in current practices and validate the need for the proposed solution. The conclusion asserts that the development of a foundational blueprint for agile adoption in the housing finance sector, can be generalized to address similar challenges in other highly regulated industries. Future work will concentrate on empirical piloting and demonstrating broader applicability.]]>
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