A pointed argument that the pull request — the human-to-human handshake at the heart of modern SDLC — has become the single biggest bottleneck in agentic engineering. Written for engineering leaders in regulated industries (especially fintechs serving banks), the paper dismantles the myth that the PR is a quality gate, reframes it as a compliance artefact, and shows how agentic pipelines can satisfy the underlying regulatory outcomes (DORA, PCI DSS, SOX, OCC, APRA, FCA) more rigorously than human review. The thesis: the PR must retire, and those who retire it first will gain a one-to-two-year competitive lead.
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