SME platform: build, buy, или partner с fintech

Когда возникает развилка

Банк решает SME strategy. Хочется build бухгалтерии, юр, Soliq integration вокруг счёта. Build — 18+ месяцев. Buy / partner с existing SME-tech (1С vendors, Soliq integration providers, accounting SaaS) — быстрее.

Frame criteria

Strategic SME importance. Если SME — strategic priority, build — better long-term moat.

Internal capability. Build требует SME product team — большинство банков не имеют.

Time to market. Buy / partner — 6-9 месяцев. Build — 18-24.

Vendor lock-in tolerance. Buy creates dependency. Partner — share customer relationship.

Banking core integration depth. Build glues tighter. Vendors require API surface.

Когда build

Large bank с strategic SME ambition.

Internal product team capability.

5+ year horizon.

Differentiation важен.

Когда buy

Mid-size bank без SME product team.

Standard SME requirements (accounting, Soliq, basic legal).

Budget для license fees.

Когда partner

Quick market entry needed.

Не хочется CapEx investment.

Готов share margin с partner.

Existing fintech / SaaS partners доступны.

Hybrid

Buy / partner для core modules (accounting, Soliq), build differentiated layer (banking-specific advisory, integrated payments).

Связанное

• /solutions/banking-sme-platform/ — SME platform solution
• /insights/banking-sme-segment/ — SME segment
• /insights/banking-platform-economics/ — platform economics
• /decisions/banking-build-vs-buy-cdp/ — CDP decision