This debate is common with pros and cons on all sides. IT departments often push for an in-house build, believing it offers maximum control and customisation. Meanwhile, business units lean toward buying external solutions that are proven, faster to implement, more innovative and aligned with industry best practices.

At Stacc, we understand both perspectives. That’s why we built Stacc Flow, as a modular credit process and automation platform that gives you the flexibility to choose how much you build and how much you buy.

Common concerns: Will it fit? Can we adapt it?

Many banks hesitate to adopt external platforms due to concerns about fit and adaptability:

• “Will it fit our unique processes?”

• “Can we adapt it to match our needs?”

With Flow, the answer is simple: Yes, it will fit—and without the typical constraints of traditional software solutions.

Our approach: A flexible alternative to the all-or-nothing dilemma

We don’t believe in a big black box that forces you into a predefined way of working. Instead, Stacc Flow is built with modular, re-usable and scalable components that allow you to:

• Select the standard modules you want and combine them with your existing solutions.

• Keep what works for you and replace only what’s necessary.

• Gradually transition from old to new—process by process, integration by integration.

Unlike rigid systems, Flow lets you integrate seamlessly while keeping your existing infrastructure intact.

Adaptability beyond the initial setup

A key advantage of Stacc Flow is its ability to evolve with your business.

• Integrations can be switched or added without modifying the process itself.

• Business rules controlling application flow can be changed on the fly—without disrupting operations.

This means you’re never locked into a single setup. Instead, you get a future-proof credit or loan origination software that can scale and adapt as your needs change.

The best of both worlds

Choosing Stacc Flow isn’t about picking between buying and building—it’s about combining the speed of a proven solution with the control of a custom-built platform.

For banks that want flexibility without compromise, Stacc Flow is the smart choice.

Want to see how Stacc Flow fits your financial institution?

Let’s talk.