The decision is no longer just about cost — it's about competitive survival. Building in-house averages an 18-month lead time; buying external infrastructure deploys in 1–3 months.
FEaaS 2026
Section 02
Build in-house
Proprietary infrastructure
Implementation timeline
~18 months
Month 018
Requires substantial capital investment and lengthy timelines.
Delays market entry and diverts resources from core business functions.
Demands in-house expertise across quant, legal, compliance, statistics, computer science, mathematics and economics.
CapEx
Heavy upfront cost · years of amortization
Buy external
Infrastructure platforms
Technical deployment
1–3 months
Month 018
Cost efficiency with predictable SaaS fees.
Rapid deployment — start launching products almost immediately.
Capitalize on the modernization wave without the 18-month lead time of in-house builds.