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requirements organization in agile when backlog is not enough?

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I find pretty hard to have a clear view of the requirements through backlog user stories alone.

Our project is a complex web application for finance. The business logic is very complex, changeable and subject to endless business discussion: the final implementation appears to be the result of many stories spread over many sprints

As a small example, we have a field that calculates the interest rate:

- in the first story the formula is provided

- next commissions are added

- then limit and validation rules are needed


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