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Interesting point Ketharaman - there's always scope to go 'open source' and code your own solution. I've worked at banks where there's been a mix of home grown and in earlier days packaged and then SaaS solutions. It's a balance between effort to maintain after the fact as well as design well enough in the first place. Classic example of this is organisations that seek to build their own decisioning brain with inbuilt arbitrations, ability to use real time data etc. It's more complicated and more effort than most want to take on. 

The danger with the AI code assistants popping up is that you need very good prompting and instructions... it can be basic errors like not including client or customer in a process design unless you tell it to! There's a way to go on this stuff. No doubt that can be suitable for simple stuff though.

Hi Ketharaman - you are correct that the solutions in the market have moved forward and are able to look at in the moment as well as patterns and identify potential systemic issues. It still requires a human in the loop to review/assess but the data and analysis is far better.