The Build vs. Buy vs. Partner guide explains how banks must decide whether to develop technology in-house, purchase solutions, or partner with fintechs. Building offers control but brings high costs and technical debt, while buying can lock institutions into rigid contracts. Partnering blends flexibility and speed, combining bank expertise in regulation with fintech strengths in design and innovation. Forrester research shows many in-house projects miss deadlines, while partnerships speed delivery and adaptation. With Big Tech and neobanks gaining share, the future lies in hybrid models where banks use partnerships to deliver seamless digital services supported by human expertise.

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