Bespoke software compared with FinTech SaaS | Dimension | Building it | When FinTech SaaS works |
| Fit to your process | Built around how you actually work, including the parts that are unusual. | Fits if your process is close to the industry norm — and many are. |
| Time to first value | Weeks. Nothing works until the first release. | Days. This is the real advantage, and it is a big one. |
| Ongoing cost | You own the code and pay to maintain it. | Per-seat forever, but somebody else carries the maintenance. |
| Integrations | Whatever you need, including the internal system nobody else has. | Whatever the vendor supports. Check before you commit. |
| When it breaks | You decide the priority, because it is your team. | You file a ticket and wait with everyone else. |
| Leaving | The code and the data are yours. | Export what the vendor lets you export. |