Just because you can build something doesn’t always mean you should. That idea rings especially true today as more companies consider creating their own financial tech from the ground up.

Businesses across a wide range of industries—retail, telecom, and more—are eager to offer financial products to their customers. Whether it’s payments, loans, insurance, or embedded banking, these services can add serious value. But here’s the hitch: many companies think they need to build the entire infrastructure themselves to get in the game. And that assumption can lead to some big challenges.