Let’s get the obvious out of the way — you already know that neither buying from vendors nor building from scratch works as a complete strategy for your bank’s tech modernization. In a vacuum, these options for creating platform components have enough drawbacks to make them unfeasible, including everything from sky-high budgets to cookie-cutter solutions. So it stands to reason that the best approach is a combination of the two, uniting the best of both worlds while cutting out the rest.