The launch of fintech products rarely goes smoothly: IT specialists, well-established processes, and compliance with regulatory requirements are needed. Companies have two familiar ways — to assemble a team from scratch or outsource a project. The first option requires a lot of time and money, the second reduces control.

The BOT (Build-Operate-Transfer) model offers a third way — to combine outsourcing speed and inhouse strategic control.

The BOT model is built in three stages:

1. Build — a partner forms a team and the infrastructure for the client's tasks.
2. Operate (Management) — he manages this team, trains employees and builds processes.
3. Transfer is a ready—made command and that's it the accumulated knowledge is transferred to the customer.

Thus, the business gets its own IT department, but without long months of searching for specialists and setting up processes. Unlike outsourcing, the team does not remain external, but becomes part of the company. Unlike classic hiring, the company saves time and immediately gets a ready-made turnkey team.

The main advantage is the gradual transition of control. If the key processes in outsourcing remain with the contractor forever, then with the BOT, the company gradually assumes control. This gives:

● Quality transparency,

● integration of the team into the business,

● Long-term cost savings.

From 2023 to 2024, BOT adoption increased by more than 25%. It is already used by 60% of global companies in the technology sector, including banks and fintech startups.

BOT is useful for companies that need:

1. Quickly create a strong The R&D team;
2. take into account the requirements of AML, KYC and PCI DSS;
3. compensate for the deficit specialists in the market;
4. scale the product in in the long term.

That is why the model is in demand among banks, fintech startups, telecom companies and marketplaces.

Thus, the BOT model is a way to quickly launch an IT product, maintain control over key processes, and form your own team. For a business, it's a combination of speed, flexibility, and long-term efficiency.