How to Choose
Vendor-neutral comparison: when A, when B, how to avoid costly false starts.
Choosing scoring
Rule-based, statistical and AI-driven scoring solve different problems and demand different levels of data maturity. A vendor-neutral look at when each approach is justified and when it becomes expensive theatre.
→Как выбрать АБС
Comparison of three approaches to a core banking system: vendor platform (Temenos, Oracle FLEXCUBE, Diasoft), in-house build, or wrap-around layer on top of the existing core. When each option is justified and where it becomes an expensive mistake.
→How to Choose the First Fintech Solution for Telecom
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Wallet Platform for Telecom
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Loyalty Platform for Telecom
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a CDP for a Telecom Operator
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose Antifraud for Telco Fintech
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose an Architecture for a Telecom Marketplace
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a BSS Modernization Strategy
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Partner for Telco Fintech
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a 90-Day MVP for Telecom
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose Between Wallet, Marketplace and Device Financing
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Campaign Automation Platform
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Partner API Model
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a BI/Dashboard for the Fintech Committee
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Self-Service Solution
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Dealer Management Solution
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a KYC/eKYC Approach
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Data Governance Model
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Telecom Super App Strategy
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose a Revenue Assurance Solution
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→How to Choose an External Advisor for Telecom Fintech
Practical telecom article: business pain, architecture logic, KPIs, risks and an implementation path with SamaraliSoft.
→Ready vs Custom CRM
Decision between ready CRM (Salesforce, Microsoft Dynamics, Bitrix, local platforms) and custom development is one of the most frequent for regional enterprise companies. Selection criteria walk-through, typical mistakes, and realistic approaches by size, specifics, and organizational maturity.
→Microservices vs Monolith
Architectural choice between microservices and modular monolith for a new product or growing company is one of the most frequent where wrong decisions are made under marketing influence. Selection criteria, typical mistakes, and approaches by team size and maturity.
→Internal vs External CTO
A growing business constantly faces the question — hire an internal CTO or work with an external advisor, build an internal development team or outsource. Selection criteria, typical mistakes, and approaches by stage and company strategy.
→Buy vs Build for Bank
Strategic choice for a bank between procuring a ready banking platform (with core replacement or augmentation) and building a layer above the existing core. Selection criteria, typical mistakes, and approaches by core state, budget, and bank strategy.
→Cloud vs On-Premise vs Hybrid
Strategic infrastructure model choice for a bank, government organization, or other regulated business. Selection criteria walk-through between public cloud, on-premise infrastructure, and hybrid model considering Uzbekistan and Central Asia regulatory requirements.
→CDP: build or buy — a decision frame for the operator
CDP vendors show 'everything out of the box', the build team promises 'unique fit'. The real choice is between speed, ownership and 5-year licensing economics.
→Billing: modernise now or wait 2 years
The old biller constrains product velocity. Replacement — 18-36 months and risk of operational disruption. When the timing is right — a decision frame.
→Fintech: in-house or via partner — a decision frame
Launch wallet, lending, insurance solo or via a bank partner — a fundamental choice. The long-term position in the stack depends on it.
→Cloud strategy for an operator: public, private, hybrid — a decision frame
Regulator requires data residency, latency requires edge, economics requires scale. Cloud decision is not 'everything in AWS' but a deliberate per-workload split.
→Data team: centralised or federated — a decision frame
One big data team under the CDO or small data pods in each domain? Trade-off between speed and data consistency.
→Contact centre: insource or outsource — a decision frame
BPO is 30-40% cheaper but creates a structural gap between customer voice and product. When outsourcing wins, when in-house — the real difference.
→Branded stores or expansion of the dealer network
A branded store gives control and premium experience but is expensive. A dealer is wide reach but variable quality. Which channel to invest in.
→eSIM rollout: aggressive or cautious — a decision frame
eSIM unlocks pre-arrival activation and the tourist segment but cannibalises the dealer network. Rollout pace is a strategic choice.
→OTT content: license, sponsor, or build — a decision frame
Operator wants content for bundling. Licensing — quick. Sponsoring — bridge. Building own — long-term, expensive, risky.
→Network sharing with a competitor: when it is the rational choice
Sharing towers or RAN with a competitor cuts CapEx 30-50% but dilutes competitive differentiation. A decision frame for CTO/CFO.
→ABS: modernise now or wait
Legacy ABS constrains product velocity. Replacement — 24-36 months + risk. Wrap — 6-12 months. When the timing is right.
→Banking CDP: build or buy
Build CDP from scratch gives ownership but 9-18 months. Buy is faster but lock-in. Frame for banking-specific decision.
→BaaS vs direct customer relationship: a decision frame
BaaS — high-margin distribution through partners. Direct — own brand and data. When each approach wins.
→SME platform: build, buy, or partner with fintech
SME stack is large and moves fast. Build gives ownership but 18+ months. Buy / partner is faster but dependency.
→Cloud strategy for the bank: public, private, hybrid
Regulator requires data residency, ABS requires low latency, economics requires elasticity. Per-workload frame.
→Branch network: shrink, maintain, or expand
Foot traffic falls 5-10% per year. Cost pressure high. But cbu.uz biometric requires physical visits for some scenarios.
→Acquire fintech vs build: a decision frame
Local fintech on the market with good traction. Bank can buy, partner, or build similar capability. Which to choose.
→Open banking: lead or follow
Open banking framework UZ developing. Lead means investing before mandates, securing competitive advantage. Follow — wait and do minimum.
→AI/ML strategy: in-house or vendor capability
AI applies to credit, fraud, NBA, AML, customer service. Build in-house ML team or vendor models. Frame for banking-specific decision.
→Risk culture: tightening vs growth orientation
Conservative bank vs aggressive growth bank — fundamentally different risk culture. Choice not binary, but trade-off real.
→Ready to discuss your challenge?
Tell me what's not working or what needs to be built. First conversation — no obligations.
Usually respond within a few hours