Garry Berteig says:
I mentioned an example of agile effectiveness in terms of Visa.
The waterfall example is to have to go to the bank for a loan, fill out forms in a meeting, reschedule for approval, and sign off on contract. On the other hand Visa lets the borrower make the decisions about how much and how often within a predetermined limit.
People go for Visa because it allows for iterations that are self determined, and very frequent compared to a bank loan process.

Il reste à se demander qui est l'équivalent de Cofidis, Sofinco et Finaref...