{"id":7808,"date":"2026-06-29T16:56:34","date_gmt":"2026-06-29T14:56:34","guid":{"rendered":"https:\/\/onlu.ch\/build-vs-buy-what-a-digital-estate-planning-solution-really-costs\/"},"modified":"2026-06-29T17:50:41","modified_gmt":"2026-06-29T15:50:41","slug":"build-vs-buy-what-a-digital-estate-planning-solution-really-costs","status":"publish","type":"post","link":"https:\/\/onlu.ch\/en\/build-vs-buy-what-a-digital-estate-planning-solution-really-costs\/","title":{"rendered":"Build vs. Buy: What a Digital Estate Planning Solution Really Costs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7808\" class=\"elementor elementor-7808 elementor-7806\" data-elementor-settings=\"{&quot;element_pack_global_tooltip_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-735a3199 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"735a3199\" 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-5c229741\" data-id=\"5c229741\" 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-7a59d191 elementor-widget elementor-widget-text-editor\" data-id=\"7a59d191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Switzerland, approximately 95 billion francs are inherited each year\u2014and the trend is on the rise. For banks, inheritance is therefore one of the most strategically sensitive moments: assets are being redistributed and are at risk of leaving the bank. No wonder many institutions are turning to the obvious solution and considering developing their own digital estate planning solution. But the crucial question is rarely \u201cDo we want to offer something like this?\u201d but rather \u201cBuild it ourselves or buy it?\u201d\u2014and the true costs of in-house development don\u2019t become apparent at launch, but in the years that follow.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-942afb1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"942afb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\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>\n\t\t\t\t<div class=\"elementor-element elementor-element-7572a6b elementor-widget elementor-widget-heading\" data-id=\"7572a6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why this issue belongs on the agenda<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40ee2663 elementor-widget elementor-widget-text-editor\" data-id=\"40ee2663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Every other franc of wealth in Switzerland is inherited. The median estate is around 170,000 francs\u2014and a great many of these are standard cases. At the same time, at numerous banks, more than 25 percent of the clientele is over 70 years old. Upon death, these assets must be redistributed, and without establishing early contact with the next generation of heirs, they will flow to other financial institutions.   <\/p><p>A digital estate planning solution lowers the barrier to entry for this often-overlooked topic and gets the bank involved in the conversation early on. So the question isn&#8217;t <em>whether<\/em>, but <em>how<\/em> to get there. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ebf1d25 elementor-widget elementor-widget-heading\" data-id=\"3ebf1d25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What \"Build\" Really Costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-315447b5 elementor-widget elementor-widget-text-editor\" data-id=\"315447b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe appeal of in-house development is understandable: full control, proprietary branding, and deep integration. But the development costs leading up to launch are just the tip of the iceberg. Four cost drivers are regularly underestimated:  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0241f9 elementor-widget elementor-widget-heading\" data-id=\"b0241f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Structure: Law Meets Technology<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e67c84b elementor-widget elementor-widget-text-editor\" data-id=\"2e67c84b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Property and inheritance law are complex, and a reliable solution must accurately reflect the statutory order of succession, reserved shares, and the discretionary portion for all 26 cantons. The 2023 revision of inheritance law\u2014which will allow testators to freely dispose of a larger portion of their estate\u2014demonstrates just how quickly the legal landscape is changing. You therefore need both legal and technical expertise over a long period of time.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a7e40ff elementor-widget elementor-widget-heading\" data-id=\"4a7e40ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Care: The Underestimated, Ever-Present Issue<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78d1f897 elementor-widget elementor-widget-text-editor\" data-id=\"78d1f897\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The law is constantly evolving. Every change in the law, every adjustment to cantonal portals, and every update to Fedlex, ch.ch, or the FTA must be incorporated; otherwise, the tool becomes outdated and poses a reputational risk. The 2023 revision was not a one-time event, but a preview: Those who build their own systems tie up capacity indefinitely just to maintain the technical content.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e00494f elementor-widget elementor-widget-heading\" data-id=\"4e00494f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Business Case: The numbers rarely add up<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14394b9b elementor-widget elementor-widget-text-editor\" data-id=\"14394b9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA \u201cnarrow\u201d perspective rarely pays off. The example of Z\u00fcrcher Kantonalbank illustrates this point clearly: Even if 1,000 estate planning mandates were sold per year, the direct revenue would amount to around 200,000 Swiss francs\u2014too little to cover a digitalization project of this magnitude. The benefit lies not in direct product revenue, but in strategic advantages: earlier engagement with the next generation of heirs, reduced asset outflow, and a lighter workload for specialists. This is precisely why an expensive in-house project with expectations of a direct ROI is the wrong approach.   \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-492bd258 elementor-widget elementor-widget-heading\" data-id=\"492bd258\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Time to Market and Opportunity Costs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a976a1 elementor-widget elementor-widget-text-editor\" data-id=\"62a976a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWhile an in-house solution takes twelve to twenty-four months to develop, the next generation of clients has long since made their decisions\u2014whether with you or elsewhere. At the same time, routine cases tie up expensive specialists who are then unavailable for complex and lucrative engagements. Every month without a solution is a month of missed early-stage opportunities.  \t\t\t\t\t\t\t\t<\/div>\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-526c4970 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"526c4970\" 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-5b898877\" data-id=\"5b898877\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5c83b051 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c83b051\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-2e5bfab3\" data-id=\"2e5bfab3\" 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-44d346d8 elementor-widget elementor-widget-text-editor\" data-id=\"44d346d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe true cost of in-house development isn&#8217;t the development itself\u2014it&#8217;s the legal maintenance that spans years. The question isn&#8217;t <em>who<\/em> builds the tool, but <em>who bears this burden in the long run<\/em>. \t\t\t\t\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36ec6d26 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"36ec6d26\" 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-19287d49\" data-id=\"19287d49\" 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-16c89961 elementor-widget elementor-widget-heading\" data-id=\"16c89961\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What \"Buy\" Offers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27032f77 elementor-widget elementor-widget-text-editor\" data-id=\"27032f77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>ONLU Erben turns the logic on its head: Instead of a multi-million project, you implement a proven, source-based solution that strictly adheres to regulatory boundaries\u2014providing initial guidance rather than binding legal or tax advice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32ebfc17 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"32ebfc17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ready to use right away, with predictable costs instead of long lead times<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sources are kept up to date for you (last updated on May 13, 2026)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">4-Step Inheritance Calculator, Death Checklist, and List of Government Agencies and Sources for All 26 Cantons<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">White-label compatible: as a standalone offering, an embedded widget, or through co-branding<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Their specialists focus on complex, lucrative assignments<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba5175 elementor-widget elementor-widget-heading\" data-id=\"3ba5175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Build vs. Buy: A Direct Comparison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbffd33 elementor-widget elementor-widget-text-editor\" data-id=\"bbffd33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table style=\"width:100%;border-collapse:collapse;font-size:16px;line-height:1.45;margin:0;\"><thead><tr style=\"background-color:#172B4D;color:#FFFFFF;\"><th style=\"padding:14px 16px;text-align:left;border:1px solid #172B4D;font-weight:700;\">Dimension<\/th><th style=\"padding:14px 16px;text-align:left;border:1px solid #172B4D;font-weight:700;\">In-house development<\/th><th style=\"padding:14px 16px;text-align:left;border:1px solid #172B4D;font-weight:700;\">ONLU Heirs<\/th><\/tr><\/thead><tbody><tr style=\"background-color:#FFFFFF;\"><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;font-weight:700;color:#172B4D;\">Time to Market<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;\">12\u201324+ months<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;color:#172B4D;font-weight:600;\">Ready for immediate use<\/td><\/tr><tr style=\"background-color:#F4F5F7;\"><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;font-weight:700;color:#172B4D;\">Cost Structure<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;\">High investment, difficult to plan<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;color:#172B4D;font-weight:600;\">Predictable, without a multi-million project<\/td><\/tr><tr style=\"background-color:#FFFFFF;\"><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;font-weight:700;color:#172B4D;\">Legal Support<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;\">Your Team, Long-Term<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;color:#172B4D;font-weight:600;\">We\u2019ll take care of it for you<\/td><\/tr><tr style=\"background-color:#F4F5F7;\"><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;font-weight:700;color:#172B4D;\">26 cantons &#038; federal sources<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;\">You monitor everything yourself<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;color:#172B4D;font-weight:600;\">Kept up to date<\/td><\/tr><tr style=\"background-color:#FFFFFF;\"><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;font-weight:700;color:#172B4D;\">2023 Revision &#038; Future Changes<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;\">They incorporate every change<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;color:#172B4D;font-weight:600;\">Included<\/td><\/tr><tr style=\"background-color:#F4F5F7;\"><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;font-weight:700;color:#172B4D;\">Regulatory Limit<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;\">Define and secure it yourself<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;color:#172B4D;font-weight:600;\">Built in from the start<\/td><\/tr><tr style=\"background-color:#FFFFFF;\"><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;font-weight:700;color:#172B4D;\">Specialists<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;\">Committed to development and standard cases<\/td><td style=\"padding:12px 16px;border:1px solid #E0E3E8;vertical-align:top;color:#172B4D;font-weight:600;\">Available for complex cases<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-691d318 elementor-widget elementor-widget-heading\" data-id=\"691d318\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When In-House Development Can Still Be Worth It<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c264165 elementor-widget elementor-widget-text-editor\" data-id=\"4c264165\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To be fair: There are situations in which a custom-built solution makes sense. For example, if you have very specific requirements that no standard solution can meet; if deep integration with proprietary core systems is strategically crucial; or if you are able and willing to maintain your own legal and technical capacity for ongoing support. For most institutions, however\u2014especially those where estate planning is just one issue among many\u2014the burden of maintenance outweighs the benefits of control.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-420bb5e4 elementor-widget elementor-widget-heading\" data-id=\"420bb5e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e43ec03 elementor-widget elementor-widget-text-editor\" data-id=\"1e43ec03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The decision between \u201cBuild\u201d and \u201cBuy\u201d isn\u2019t based on the launch date, but on who will be responsible for legal maintenance over the years. In-house development ties up budget, legal resources, and maintenance for years, whereas a turnkey solution is ready for immediate use and easy to plan for. For most banks, insurance companies, and financial service providers, \u201cBuy\u201d is therefore not a compromise, but rather the faster and more predictable way to establish an early presence in estate planning and keep assets in-house.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eea7db0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eea7db0\" 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-394a7bdf\" data-id=\"394a7bdf\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-be23254 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be23254\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-6e299b91\" data-id=\"6e299b91\" 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-29396d10 elementor-widget elementor-widget-heading\" data-id=\"29396d10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">View the complete cost comparison.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c43fe90 elementor-widget elementor-widget-text-editor\" data-id=\"5c43fe90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>On the reference page, we provide a detailed comparison of &#8220;Build vs. Buy,&#8221; including features, integration, and pilot options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b629562 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"4b629562\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/onlu.ch\/en\/projects\/digital-minded-heirs\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Go to the reference page<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79b2a709 elementor-widget elementor-widget-text-editor\" data-id=\"79b2a709\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a style=\"color: #ffffff; text-decoration: underline;\" href=\"https:\/\/erben.onlu.ch\/#\/calculator\">Or try out the inheritance calculator online: erben.onlu.ch \u2192<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-48922008 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48922008\" 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-7d0b4c27\" data-id=\"7d0b4c27\" 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-38e0d5be elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"38e0d5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\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>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b83c616 elementor-widget elementor-widget-text-editor\" data-id=\"7b83c616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<em>This information is intended as a general guide and is not a substitute for individual legal, tax, or notarial advice.<\/em>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-445566a elementor-widget elementor-widget-text-editor\" data-id=\"445566a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSources: HSLU IFZ Retail Banking Blog (Dietrich, \u201cInheritance Planning at Z\u00fcrcher Kantonalbank\u201d), Br\u00fclhart 2019, Morger\/Stutz 2017.\t\t\t\t\t\t\t\t<\/div>\n\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In Switzerland, approximately 95 billion francs are inherited each year\u2014and the trend is on the rise. For banks, inheritance is therefore one of the most strategically sensitive moments: assets are [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7808","post","type-post","status-publish","format-standard","hentry","category-nicht-kategorisiert"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Build vs. Buy: What a Digital Estate Planning Solution Really Costs - ONLU AG<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/onlu.ch\/en\/build-vs-buy-what-a-digital-estate-planning-solution-really-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Build vs. Buy: What a Digital Estate Planning Solution Really Costs - ONLU AG\" \/>\n<meta property=\"og:description\" content=\"In Switzerland, approximately 95 billion francs are inherited each year\u2014and the trend is on the rise. 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