There is no one-size-fits-all in this case. Low‑code teams in banks can be organized either centrally or in a decentralized structure, depending on the institution’s needs and operating model. A centralized setup (with a dedicated low-code team within IT) supports standardization, governance, and security oversight, but may respond more slowly to the specific needs of individual departments. On the other hand, a decentralized model (where low-code skills are distributed across business units) offers greater flexibility and faster delivery of solutions tailored to local requirements, though it also introduces risks such as inconsistent standards and duplicated work. In practice, many banks adopt a hybrid approach: business units have their own low‑code developers, while a central expert team ensures technology consistency, component reuse, and adherence to shared governance principles.
