It makes perfect sense to build when you are at a certain scale. I remember talking to Citi's C-suite some time ago and their mentality is/was "we are an IT com

It makes perfect sense to build when you are at a certain scale. I remember talking to Citi's C-suite some time ago and their mentality is/was "we are an IT company that is also a bank". But! you have to be Citi (or the likes of your company - perhaps you are in Citi? :) where you can get the talent, pay them handsomely, and keep them motivated.