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Build vs Buy — Banking and Capital Markets
Weigh SaaS subscriptions against a custom build for Banking and Capital Markets — see the multi-year total cost of ownership and which path wins.
What this means for Banking and Capital Markets
- The core banking system is a 30-year-old COBOL platform — every new product requires a six-quarter project, and the vendor's modernization roadmap keeps slipping while pricing keeps climbing.
- KYC and AML onboarding takes 8-15 business days for commercial clients because operations is keying the same data into four systems and waiting on three queues of human review.
- Trading desk technology is a Frankenstein of vendor platforms, internal Excel-VBA tools, and tactical Python scripts — every regulatory change forces a six-month remediation across all of them.
Where it pays to act
- Document intelligence on commercial loan packages, ISDA agreements, KYC files, and trade confirmations — first-draft extraction with the analyst as reviewer, not data-entry clerk.
- AML alert triage and case narrative drafting — LLM-assisted summarization of transaction patterns, counterparty data, and prior cases so investigators close more alerts per day.
Adjust the inputs to match your Banking and Capital Markets context.
Total cost of ownership
SaaS total (3yr)
₹19.9 L
Custom build total
₹21.8 L
Difference (cheaper to buy)
₹1.89 L
Breakeven
—
What this means
A hybrid path fits best.
For Banking and Capital Markets, the gap is ₹1.89 L over 3 years — close enough that a hybrid approach (buy core, build differentiating layers) often wins.
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Build vs buy — summary
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