Free guide · For bank credit leaders
Build, buy, or both? A guide for bank credit leaders
What building AI for credit in-house really takes, where projects stall, and how to decide before you start.
Written by Scott Weller
CTO, EnFi
What's inside
A straight answer to the build-vs-buy question.
Why in-house AI for credit typically takes 18–24 months before analysts see a benefit.
What MIT found: AI tools bought from specialist vendors succeed about 67% of the time, and in-house builds about one-third as often.
Source: MIT NANDA, The GenAI Divide, 2025.
A practical way to decide what to build, what to buy, and what to combine.