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Build vs Buy — Digital Banking
Weigh SaaS subscriptions against a custom build for Digital Banking — see the multi-year total cost of ownership and which path wins.
What this means for Digital Banking
- The legacy core system gates every product change — a new account type takes 9-18 months instead of weeks.
- KYC and onboarding flows still drop 40-60% of mobile applicants because of document upload friction and manual review queues.
- Customer data is fragmented across the core, the CRM, the mobile app, and four reporting marts; nobody has a single view.
Where it pays to act
- AI-assisted KYC document extraction and identity verification to compress onboarding from days to minutes.
- Conversational AI for routine servicing (balance, transfers, card controls) to deflect call center volume without degrading CX.
Adjust the inputs to match your Digital Banking 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 Digital Banking, 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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