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Total cost of ownership(TCO)
How to evaluate TCO for loan origination platforms: delivery, integrations, operations, and upgrade safety, well beyond license fees.
TCO categories
- Delivery: implementation, testing, change management
- Integrations: build + maintenance, monitoring, vendor changes
- Operations: support, incidents, release governance, environments
- Upgrade safety: customisation debt, regression risk, backward compatibility
Questions that reveal hidden cost
- Which changes require bespoke code vs configuration?
- How do you test policy and workflow changes before releasing?
- What breaks during upgrades, and how do you roll back?