Build vs. Buy Decision Matrix

Criteria

Build In-House (Custom)

Buy V12 (Purpose-Built)

Speed to Market

12-24 Months to deploy with custom dev + compliance

Live in up to 6 months; pre-configured for payers/providers and delegated entities

Upfront Cost

No licensing, but high internal dev, platform & compliance cost

Up front cost - offset by faster speed to value

Long-Term Cost

Maintenance, tech-debt, storage, ongoing security patching

Predictable subscription with auto updates

Customization

Custom but resource intensive and delays delivery

Configurable - without dev

Scalability

Risk of technical bottlenecks as user base or needs grow

Built for scale across national enterprise groups and multi-entity orgs

Internal Resource Use

Pulls product, tech, compliance from other strategic work

Enables team to focus on higher-value initiatives

Vendor Dependency

Full control but roadmap, support, and maintenance falls on internal teams

Shared roadmap shaped by client needs and real-world demand

Integration Complexity

High: tech lift, connectivity, testing, and long-term friction

Pre-built connectors and flexible data architecture for minimum dev lift and time

Innovation & Feature Velocity

Internal roadmap constraints reduce speed

Continuous feature delivery across clients

Compliance & Risk

Internal burden for regulations

Compliance updates and logs included by default

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