Sooner or later, every financial institution faces the same question: should it buy off-the-shelf software, build its own, or combine both approaches? The answer is rarely black and white. The best decisions are made on a process-by-process basis, rather than once and for all across the entire organisation. In this article, we outline three approaches, five decision-making questions and the most common mistakes that lead to

The best initial use cases for GenAI are those where three factors coincide: a high volume of repetitive work on text and documents, a low regulatory cost of any potential errors, and data that is already structured and accessible. In practice, this translates into four areas: internal knowledge search, document processing and summarisation, the first

KNF Recommendation D KNF, SKOK Recommendation D, the cloud computing notice and the guidelines for insurers and investment fund management companies have been repealed (including on 17 January 2025). National soft law has been replaced by binding EU law – the DORA Regulation, which now serves as the main point of reference for banks and financial institutions. Below, we discuss the key operational changes and ways of reconciling the new Translated with DeepL.com (free version)

The most costly mistakes in IT projects do not stem from poor code, but from building something other than what was actually needed. The traditional approach – spending months gathering requirements and drafting specifications before anyone sees a working solution – pushes the verification stage right to the very end, when any change is already costly. The alternative is rapid prototyping:

The Polish leasing market grew to PLN 119.5 billion in 2025. According to the ZPL, this represents an 8.1 per cent year-on-year increase. Small and medium-sized enterprises remain the main drivers of the market. They account for almost 71 per cent of financing. In this environment, speed and convenience throughout the entire process are key factors. This refers to the stage from

The true cost of the old system is not just a single line item labelled ‘IT maintenance’ in the budget. According to analyses by Gartner and McKinsey, simply ‘keeping the lights on’ accounts for between 40 and as much as 80 per cent of the total IT budget; on top of this comes a technology debt that grows every year, higher incident costs and – increasingly – a bottleneck in AI roll-outs. For