Decide rigorously whether to build, buy, or partner for each AI capability in your SMB using a weighted scorecard, total cost of ownership model, strategic moat analysis, and vendor lock-in assessment.
## CONTEXT The build-vs-buy-vs-partner decision for AI capabilities is the single largest capital allocation question facing SMB executives in 2026. The wrong choice can either consume 18 to 24 months of engineering capacity building a feature available off-the-shelf for $30/seat/month, or lock the company into a…
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