Organisational Debt
In this series I have argued that organisation debt — the accumulated cost of poor structures, deferred decisions, broken processes, and ungoverned data — is a real liability that belongs on the management agenda alongside financial and technical debt. In Part II, I introduced a practical taxonomy: Decision Debt, Control Debt, Data
Business Architecture
If your organisation doesn’t put “organisation debt” on the management agenda with targets, owners, and a pay-down plan, AI, platform modernisation, and Consumer Duty ambitions will continue to stall. Treat it like a real liability with an interest bill, a maturity profile, and a monthly statement—then refinance, retire,
Organisational Debt
In an era of rapid growth and evolving business demands, organisations often accumulate operational, technical, and financial debt. While some degree of debt can be strategic—allowing businesses to innovate and adapt quickly—unchecked debt can erode profitability, stifle agility, and jeopardize long-term sustainability. Business architecture offers a structured framework
Organisational Debt
With thanks to my colleague, Ron Baillie for his inputs on this article. The ideas expressed in this article are reflective of organisations in general and is not reflective of any past/current business that I have been associated with. Organisation Debt?? Hmm! I will excuse you from thinking that