BPM(N,S, engine): necessary or not?

The above terms often hover around the world of enterprise development. Someone was lucky enough to encounter them and save hundreds of hours of time, and someone got only pain and gigantic technical debt. In his report, the speaker will dot all the i's and cross all the t's in business process automation using BPM(N,S,engine), on the example of Tinkoff, talk about good and bad practices, and show how you can accelerate the automation of business processes right now.