{"id":31800,"date":"2026-01-28T14:52:22","date_gmt":"2026-01-28T14:52:22","guid":{"rendered":"https:\/\/appricotsoft.com\/?p=31800"},"modified":"2026-06-22T14:33:17","modified_gmt":"2026-06-22T14:33:17","slug":"building-fintech-software-in-house-vs-partnering-with-an-agency","status":"publish","type":"post","link":"https:\/\/appricotsoft.com\/pl\/blog\/building-fintech-software-in-house-vs-partnering-with-an-agency\/","title":{"rendered":"Tworzenie oprogramowania Fintech: wewn\u0119trznie czy we wsp\u00f3\u0142pracy z agencj\u0105"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"31800\" class=\"elementor elementor-31800\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-12084bd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12084bd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9ca0480\" data-id=\"9ca0480\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad7e3b1 elementor-widget elementor-widget-heading\" data-id=\"ad7e3b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wst\u0119p<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f829e27 elementor-widget elementor-widget-text-editor\" data-id=\"f829e27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Je\u015bli chodzi o tworzenie produkt\u00f3w fintech (np. aplikacji bankowo\u015bci mobilnej, technologii wykrywania oszustw i\/lub portfeli cyfrowych), musisz rozwa\u017cy\u0107, czy zatrudni\u0107 wewn\u0119trzny zesp\u00f3\u0142, czy nawi\u0105za\u0107 wsp\u00f3\u0142prac\u0119 z inn\u0105 agencj\u0105 specjalizuj\u0105c\u0105 si\u0119 w tworzeniu oprogramowania fintech.<\/p><p>Wiele os\u00f3b uwa\u017ca, \u017ce decyzja ta opiera si\u0119 wy\u0142\u0105cznie na kosztach. Jednak istnieje wiele innych czynnik\u00f3w, kt\u00f3re nale\u017cy wzi\u0105\u0107 pod uwag\u0119 przy podejmowaniu decyzji, takich jak: czas potrzebny na stworzenie produktu; zakres kontroli, jaki chcesz mie\u0107 nad procesem rozwoju produktu; elastyczno\u015b\u0107 bud\u017cetu; oraz oczekiwana trwa\u0142o\u015b\u0107 nowego produktu. W tym artykule przedstawimy przegl\u0105d obu opcji wraz z przyk\u0142adami, jak ka\u017cda z nich mo\u017ce pasowa\u0107 do Twojej firmy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-682e1ab elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"682e1ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b2180a elementor-widget elementor-widget-heading\" data-id=\"2b2180a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Dwie \u015bcie\u017cki: kr\u00f3tki przegl\u0105d<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57d92a6 elementor-widget elementor-widget-text-editor\" data-id=\"57d92a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Opcja 1 \u2013 Zatrudnij zesp\u00f3\u0142 wewn\u0119trzny<\/strong><br \/>\u2714\ufe0f B\u0119dziesz mie\u0107 pe\u0142n\u0105 kontrol\u0119 nad projektem, poniewa\u017c b\u0119dziesz bezpo\u015brednio zarz\u0105dza\u0107 wszystkimi jego aspektami<br \/>\u274c Zatrudnienie wewn\u0119trznego zespo\u0142u zajmuje du\u017co czasu i mo\u017ce by\u0107 trudne (ograniczona liczba pracownik\u00f3w), poniewa\u017c znalezienie wykwalifikowanych programist\u00f3w mo\u017ce by\u0107 trudne<\/p><p><strong>Opcja 2 \u2013 Wsp\u00f3\u0142praca z firm\u0105 zajmuj\u0105c\u0105 si\u0119 tworzeniem oprogramowania Fintech<\/strong><br \/>\u2714\ufe0f B\u0119dziesz mie\u0107 dost\u0119p do du\u017cej grupy potencjalnych wsp\u00f3\u0142pracownik\u00f3w, dzi\u0119ki czemu Tw\u00f3j zesp\u00f3\u0142 b\u0119dzie m\u00f3g\u0142 realizowa\u0107 projekty szybko i efektywnie.<br \/>\u274c Nie b\u0119dziesz wy\u0142\u0105cznym w\u0142a\u015bcicielem swojego produktu, dlatego b\u0119dziesz musia\u0142 wydawa\u0107 pieni\u0105dze na utrzymanie relacji z agencj\u0105.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43c87d5 elementor-widget elementor-widget-image\" data-id=\"43c87d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/appricotsoft.com\/wp-content\/uploads\/2026\/01\/woman-working-her-tablet-outside.webp\" title=\"\" alt=\"Agency or In-House\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0cd570 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e0cd570\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-672b503 elementor-widget elementor-widget-heading\" data-id=\"672b503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Prawdziwe kompromisy: 5 wa\u017cnych kwestii do rozwa\u017cenia<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ed67c elementor-widget elementor-widget-text-editor\" data-id=\"e1ed67c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>1. Struktura koszt\u00f3w<\/strong><\/p><p><em><strong>Wewn\u0119trznie:<\/strong><\/em><br \/>Spodziewaj si\u0119 pocz\u0105tkowych inwestycji w zatrudnienie, wynagrodzenia, \u015bwiadczenia, sprz\u0119t i koszty og\u00f3lne. Ca\u0142kowity koszt posiadania (CCO) mo\u017ce by\u0107 bardzo wysoki, je\u015bli masz d\u0142ugi cykl rekrutacyjny lub do\u015bwiadczasz du\u017cej rotacji pracownik\u00f3w w trakcie budowy.<\/p><p><em><strong>Agencja:<\/strong><\/em><br \/>Agencja przedstawi Ci jasn\u0105 wycen\u0119 dotycz\u0105c\u0105 rozwoju Twojego oprogramowania fintech lub zapewni sta\u0142e, miesi\u0119czne zaanga\u017cowanie bez koszt\u00f3w og\u00f3lnych i ukrytych problem\u00f3w z zasobami ludzkimi. Agencja przedstawi Ci przewidywalne bud\u017cety, kt\u00f3re s\u0105 przewidywalne, podczas gdy czasami stawki godzinowe premium wydaj\u0105 si\u0119 wy\u017csze na papierze.<\/p><p>\ud83d\udca1 Przyk\u0142adowe miesi\u0119czne koszty produktu FinTech \u015bredniej klasy i \u015bredniej wielko\u015bci:<\/p><table><thead><tr><th>Rola<\/th><th>Wewn\u0119trznie<\/th><th>R\u00f3wnowa\u017cnik agencji<\/th><\/tr><\/thead><tbody><tr><td>Starszy programista x2<\/td><td>$24,000<\/td><td>Do\u0142\u0105czony<\/td><\/tr><tr><td>Zapewnienie jako\u015bci<\/td><td>$6,000<\/td><td>Do\u0142\u0105czony<\/td><\/tr><tr><td>PM\/Prowadz\u0105cy<\/td><td>$10,000<\/td><td>Do\u0142\u0105czony<\/td><\/tr><tr><td>Narz\u0119dzia i infrastruktura<\/td><td>$2,000<\/td><td>Do\u0142\u0105czony<\/td><\/tr><tr><td><strong>Ca\u0142kowity<\/strong><\/td><td><strong>$42,000+<\/strong><\/td><td><strong>$35 000\u2013$45 000<\/strong> w zale\u017cno\u015bci od zakresu<\/td><\/tr><\/tbody><\/table><p><em>W pocz\u0105tkowych fazach, gdy szybko\u015b\u0107 jest wa\u017cniejsza od skali, parytet koszt\u00f3w cz\u0119sto przesuwa si\u0119 na korzy\u015b\u0107 agencji.<\/em><\/p><p><strong>2. Czas wprowadzenia na rynek<\/strong><\/p><p><em><strong>Wewn\u0119trznie:<\/strong> <\/em>Zatrudnienie sprawnego zespo\u0142u zajmuje zazwyczaj od trzech do sze\u015bciu miesi\u0119cy, w tym czasie konkurencja mo\u017ce si\u0119 rozwija\u0107. Op\u00f3\u017anienia w rekrutacji mog\u0105 r\u00f3wnie\u017c zaszkodzi\u0107 inwestorom i utrudni\u0107 firmie dotrzymanie termin\u00f3w regulacyjnych.<\/p><p><em><strong>Agencja:<\/strong> <\/em>W ci\u0105gu kilku tygodni mo\u017cesz mie\u0107 zesp\u00f3\u0142 gotowy do pracy nad Twoj\u0105 aplikacj\u0105. Agencje takie jak Appricotsoft stworzy\u0142y zespo\u0142y specjalizuj\u0105ce si\u0119 w budowaniu aplikacji fintechowych z wst\u0119pnie dostosowanymi procesami, frameworkami do szybkiego tworzenia aplikacji z wykorzystaniem sztucznej inteligencji (Unison) oraz wbudowanymi integracjami (PSD2, KYC\/AML, API p\u0142atno\u015bci), kt\u00f3re u\u0142atwiaj\u0105 agencjom szybsze tworzenie aplikacji.<\/p><p><strong>3. W\u0142asno\u015b\u0107 i wiedza o domenie<\/strong><\/p><p><em><strong>Wewn\u0119trznie:<\/strong><\/em> Zesp\u00f3\u0142 wewn\u0119trzny jest idealny do d\u0142ugoterminowej wizji, poniewa\u017c zna og\u00f3lny plan rozwoju aplikacji. Jednak zesp\u00f3\u0142 wewn\u0119trzny mo\u017ce r\u00f3wnie\u017c rozwin\u0105\u0107 zbytni\u0105 stronniczo\u015b\u0107 w stosunku do aplikacji, co mo\u017ce prowadzi\u0107 do braku obiektywizmu lub oporu przed zmianami.<\/p><p><em><strong>Agencja:<\/strong><\/em> Do\u015bwiadczona agencja, taka jak Appricotsoft, zapewnia obiektywn\u0105, zewn\u0119trzn\u0105 perspektyw\u0119, pomagaj\u0105c za\u0142o\u017cycielom unika\u0107 konflikt\u00f3w poprzez cotygodniowe prezentacje, zsynchronizowane plany dzia\u0142ania i rejestry decyzyjne \u2013 eliminuj\u0105c w ten spos\u00f3b ryzyko utraty informacji w t\u0142umaczeniu podczas procesu rozwoju. Podczas gdy Ty zachowujesz prawo w\u0142asno\u015bci do oprogramowania, agencja b\u0119dzie traktowa\u0107 je jak swoj\u0105 w\u0142asno\u015b\u0107 podczas jego rozwoju.<\/p><p><strong>4. Elastyczno\u015b\u0107 i skalowalno\u015b\u0107<\/strong><\/p><p><em><strong>Wewn\u0119trznie:<\/strong><\/em> Wraz z dodawaniem nowych pracownik\u00f3w do zespo\u0142u wzrasta liczba rozm\u00f3w kwalifikacyjnych, onboardingu i og\u00f3lnego obci\u0105\u017cenia dzia\u0142em HR w procesie rekrutacji i onboardingu. Je\u015bli firma musi przeprowadzi\u0107 redukcj\u0119 zatrudnienia, proces ten mo\u017ce by\u0107 uci\u0105\u017cliwy i czasoch\u0142onny.<\/p><p><em><strong>Agencja:<\/strong><\/em> Je\u015bli w trakcie realizacji projektu stwierdzisz, \u017ce wymaga on zmiany kierunku, nie b\u0119dzie problemu z jej wprowadzeniem, poniewa\u017c agencja mo\u017ce zapewni\u0107 niezb\u0119dne wsparcie, szybko dostosowuj\u0105c liczb\u0119 i sk\u0142ad swoich zespo\u0142\u00f3w do dok\u0142adnych potrzeb klient\u00f3w w momencie zmiany kierunku. Je\u015bli klient chce wstrzyma\u0107 lub dokona\u0107 realokacji zasob\u00f3w projektu, agencja mo\u017ce to zrobi\u0107 w taki sam spos\u00f3b, w jaki opracowuje nowy plan sprintu.<\/p><p><strong>5. Opieka przed\u0142u\u017cona<\/strong><\/p><p><em><strong>Wewn\u0119trznie: <\/strong><\/em>Je\u015bli planujesz rozwija\u0107 swoj\u0105 platform\u0119 przez nast\u0119pne 5\u201310 lat, najlepszym rozwi\u0105zaniem jest stworzenie wewn\u0119trznego zespo\u0142u. Jednak utrzymanie najlepszych talent\u00f3w z zakresu technologii finansowych przez tak d\u0142ugi czas mo\u017ce okaza\u0107 si\u0119 kosztowne i trudne.<\/p><p><em><strong>Agencja: <\/strong><\/em>Wiele najlepszych agencji stosuje podej\u015bcie hybrydowe, uruchamiaj\u0105c platform\u0119 klienta, a nast\u0119pnie daj\u0105c mu mo\u017cliwo\u015b\u0107 przej\u015bcia na w\u0142asny zesp\u00f3\u0142 z odpowiednim przekazaniem, dokumentacj\u0105 i wsparciem.<\/p><p>W Appricotsoft regularnie wspieramy klient\u00f3w w zakresie:<\/p><ul><li><strong>Przekazanie zespo\u0142u i szkolenie<\/strong><\/li><li><strong>Ci\u0105g\u0142e wsparcie produktu<\/strong><\/li><li><strong>Monitorowanie i optymalizacja wydajno\u015bci<\/strong><\/li><li><strong>D\u0142ugoterminowe planowanie rozbudowy funkcji<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e2a0d3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6e2a0d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcde5a8 elementor-widget elementor-widget-heading\" data-id=\"dcde5a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wyb\u00f3r mi\u0119dzy prac\u0105 wewn\u0119trzn\u0105 a outsourcingiem<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-151537d elementor-widget elementor-widget-text-editor\" data-id=\"151537d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Oto kilka scenariuszy, w kt\u00f3rych warto wybra\u0107 wewn\u0119trzne rozwi\u0105zania techniczne zamiast zleca\u0107 je na zewn\u0105trz:<\/p><p><strong>(3) Powody podej\u015bcia wewn\u0119trznego<\/strong><\/p><ul><li>Masz ju\u017c silny zesp\u00f3\u0142 techniczny i chcesz \u201cwypr\u00f3bowa\u0107\u201d nowe technologie, zanim zaczniesz je rozwija\u0107.<\/li><li>Tw\u00f3j projekt jest d\u0142ugoterminowy i wymaga utrzymania wysokiego poziomu wiedzy specjalistycznej.<\/li><li>Mo\u017cesz po\u015bwi\u0119ci\u0107 czas na odpowiedni\u0105 rekrutacj\u0119.<\/li><\/ul><p><strong>(3) Powody podej\u015bcia outsourcingowego<\/strong><\/p><ul><li>Czas potrzebny na uruchomienie produktu wynosi od 3 do 6 miesi\u0119cy.<\/li><li>Chcesz wykorzysta\u0107 wst\u0119pnie zdefiniowany proces dostarczania obejmuj\u0105cy: zapewnienie jako\u015bci (QA), rozw\u00f3j\/operacje, interfejs u\u017cytkownika (UI)\/do\u015bwiadczenie u\u017cytkownika (UX).<\/li><li>Tw\u00f3j projekt jest z\u0142o\u017cony (np. opracowanie aplikacji bankowo\u015bci mobilnej lub opracowanie integracji z Open Banking) i wymaga szybkiego dost\u0119pu do eksperta w dziedzinie technologii finansowych. (Je\u015bli Tw\u00f3j obecny zesp\u00f3\u0142 techniczny jest przeci\u0105\u017cony lub nie ma wystarczaj\u0105cej wiedzy na temat technologii finansowych).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-328ca6b elementor-widget elementor-widget-image\" data-id=\"328ca6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/appricotsoft.com\/wp-content\/uploads\/2026\/01\/photovoltaics-factory-manager-office-visualizing-solar-cells-designs-pc.webp\" title=\"\" alt=\"Agency or In-House\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78a3e7c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"78a3e7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52011a4 elementor-widget elementor-widget-heading\" data-id=\"52011a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Jak Appricotsoft wspiera Tw\u00f3j sukces<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5789638 elementor-widget elementor-widget-text-editor\" data-id=\"5789638\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>W Appricotsoft tworzymy produkty fintech, takie jak banki, kt\u00f3re spe\u0142niaj\u0105 wymogi PSD2, a tak\u017ce systemy wykrywania oszustw oparte na sztucznej inteligencji. Niezale\u017cnie od tego, czy chcesz zweryfikowa\u0107 MVP, zwi\u0119kszy\u0107 zasoby zespo\u0142u programist\u00f3w, czy stworzy\u0107 zupe\u0142nie now\u0105 aplikacj\u0119, pomo\u017cemy Ci zapewni\u0107 szybko\u015b\u0107, struktur\u0119 i przejrzysto\u015b\u0107.<\/p><p>Metoda realizacji Unison pozwala nam zapewni\u0107 przejrzysto\u015b\u0107 i przewidywalno\u015b\u0107 dzi\u0119ki transparentnemu i iteracyjnemu procesowi.<\/p><p>Zale\u017cy nam na dostarczaniu jako\u015bci, a nie na oszcz\u0119dzaniu. Nie idziemy na kompromisy, tworz\u0105c i dostarczaj\u0105c produkty; dostarczamy produkty czyste.<\/p><p>Podczas gdy Ty pracujesz zgodnie z okre\u015blonymi parametrami MVP, my przejdziemy przez etapy wsparcia i iteracji, aby pom\u00f3c Ci w przej\u015bciach pracownik\u00f3w.<\/p><p>Mo\u017cemy r\u00f3wnie\u017c wesprze\u0107 Ci\u0119 w organizacji z zespo\u0142em hybrydowym. Je\u015bli ostatecznie chcesz rozwija\u0107 si\u0119 wewn\u0119trznie, mo\u017cemy wesprze\u0107 Ci\u0119 w tym procesie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e60a62 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6e60a62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59963b5 elementor-widget elementor-widget-heading\" data-id=\"59963b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Powi\u0105zane lektury<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c60e5 elementor-widget elementor-widget-text-editor\" data-id=\"74c60e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"6172\" data-end=\"6268\"><strong><a class=\"decorated-link\" href=\"https:\/\/appricotsoft.com\/pl\/tips\/audit-before-you-pitch-what-investors-look-for-in-your-code\/\" target=\"_new\" rel=\"noopener\" data-start=\"6172\" data-end=\"6266\">Audyt przed prezentacj\u0105: na co inwestorzy zwracaj\u0105 uwag\u0119 w Twoim kodzie<\/a><\/strong><\/li><li data-start=\"6172\" data-end=\"6268\"><strong><a class=\"decorated-link\" href=\"https:\/\/appricotsoft.com\/pl\/tips\/how-a-quick-code-review-can-save-a-startup-from-disaste\/\" target=\"_new\" rel=\"noopener\" data-start=\"6271\" data-end=\"6361\">Jak szybki przegl\u0105d kodu mo\u017ce uratowa\u0107 startup przed katastrof\u0105<\/a><\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4072a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6b4072a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d29e1c elementor-widget elementor-widget-heading\" data-id=\"3d29e1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nie ma jednej, uniwersalnej odpowiedzi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-869ed1c elementor-widget elementor-widget-text-editor\" data-id=\"869ed1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Decyzja o tym, czy stworzy\u0107 wewn\u0119trzny zesp\u00f3\u0142, czy powierzy\u0107 rozw\u00f3j oprogramowania zewn\u0119trznej firmie zajmuj\u0105cej si\u0119 technologiami finansowymi, b\u0119dzie zale\u017ce\u0107 od Twojej sytuacji, pilno\u015bci i d\u0142ugoterminowych plan\u00f3w.<\/p><p>Dobra wiadomo\u015b\u0107 jest taka, \u017ce mo\u017cesz po\u015bwi\u0119ci\u0107 czas na podj\u0119cie decyzji, co jest najlepsze dla Twojej firmy. Wielu naszych klient\u00f3w najpierw tworzy oprogramowanie w Appricotsoft, aby szybciej je dostarczy\u0107, a nast\u0119pnie, w miar\u0119 rozwoju firmy, tworzy w\u0142asny, wewn\u0119trzny zesp\u00f3\u0142 programist\u00f3w.<\/p><p>Je\u015bli chcesz sprawdzi\u0107 poprawno\u015b\u0107 swojej przewidywanej strategii budowy wraz z pewnymi przybli\u017conymi liczbami dla swojej budowy, <strong><a href=\"https:\/\/appricotsoft.com\/pl\/contact-us\/\">Prosz\u0119 poprosi\u0107 nas ju\u017c dzi\u015b o bezp\u0142atn\u0105 wycen\u0119.<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0c1b97 elementor-cta--skin-cover elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"f0c1b97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url();\" role=\"img\" aria-label=\"\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item elementor-animated-item--grow\">\n\t\t\t\t\t\tMasz ju\u017c ten pomys\u0142?\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item elementor-animated-item--grow\">\n\t\t\t\t\t\tNapisz do nas, a znajdziemy najlepszy spos\u00f3b realizacji Twojego pomys\u0142u!\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item elementor-animated-item--grow\">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"\/pl\/contact-us\/\">\n\t\t\t\t\t\tSkontaktuj si\u0119 z nami\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Wprowadzenie Tworz\u0105c produkt fintech (np. aplikacje bankowo\u015bci mobilnej, technologie wykrywania oszustw i\/lub portfele cyfrowe), trzeba rozwa\u017cy\u0107, czy zatrudni\u0107 wewn\u0119trzny zesp\u00f3\u0142, czy nawi\u0105za\u0107 wsp\u00f3\u0142prac\u0119 z inn\u0105 agencj\u0105 specjalizuj\u0105c\u0105 si\u0119 w tworzeniu oprogramowania fintech. Wiele os\u00f3b uwa\u017ca, \u017ce decyzja ta opiera si\u0119 wy\u0142\u0105cznie na kosztach; jednak\u2026<\/p>","protected":false},"author":4,"featured_media":33625,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44,43],"tags":[45,46],"class_list":["post-31800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-fintech","tag-fintech","tag-fintech-app"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Building Fintech Software: In-House vs. Partnering With an Agency - Appricotsoft<\/title>\n<meta name=\"description\" content=\"Should you hire in-house or work with a fintech software development company? 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We break down costs, speed, flexibility, and when to choose each path - with sample budgets and decision scenarios.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/appricotsoft.com\/pl\/blog\/building-fintech-software-in-house-vs-partnering-with-an-agency\/\" \/>\n<meta property=\"og:site_name\" content=\"Appricotsoft\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-28T14:52:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-22T14:33:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/appricotsoft.com\/wp-content\/uploads\/2026\/01\/On-page-38.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Roman Rusnak\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"Roman Rusnak\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/blog\\\/building-fintech-software-in-house-vs-partnering-with-an-agency\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/blog\\\/building-fintech-software-in-house-vs-partnering-with-an-agency\\\/\"},\"author\":{\"name\":\"Roman Rusnak\",\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/#\\\/schema\\\/person\\\/635e2d8baeeff5a86ba1944e42d3a30b\"},\"headline\":\"Building Fintech Software: In-House vs. Partnering With an Agency\",\"datePublished\":\"2026-01-28T14:52:22+00:00\",\"dateModified\":\"2026-06-22T14:33:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/blog\\\/building-fintech-software-in-house-vs-partnering-with-an-agency\\\/\"},\"wordCount\":1262,\"publisher\":{\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/blog\\\/building-fintech-software-in-house-vs-partnering-with-an-agency\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/appricotsoft.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/On-page-38.webp\",\"keywords\":[\"fintech\",\"fintech-app\"],\"articleSection\":[\"Blog\",\"Fintech\"],\"inLanguage\":\"pl-PL\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/blog\\\/building-fintech-software-in-house-vs-partnering-with-an-agency\\\/\",\"url\":\"https:\\\/\\\/appricotsoft.com\\\/blog\\\/building-fintech-software-in-house-vs-partnering-with-an-agency\\\/\",\"name\":\"Building Fintech Software: In-House vs. Partnering With an Agency - Appricotsoft\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/blog\\\/building-fintech-software-in-house-vs-partnering-with-an-agency\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/appricotsoft.com\\\/blog\\\/building-fintech-software-in-house-vs-partnering-with-an-agency\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/appricotsoft.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/On-page-38.webp\",\"datePublished\":\"2026-01-28T14:52:22+00:00\",\"dateModified\":\"2026-06-22T14:33:17+00:00\",\"description\":\"Should you hire in-house or work with a fintech software development company? 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