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In general a boxed solution will give you more for your money, because the development cost is effectively spread between all its users. There will also be an ongoing development program that will take account of changing technology and legal requirements. Whereas if you go for a bespoke solution, you will have to pay 100% of the cost of development, and any necessary future upgrades. And if the developer moves on or goes out of business, you're screwed.
On the other hand, boxed solutions can't cover all the bases, and they do impose fixed ways of working that you have to learn and adapt to.
Most probably you can find a boxed solution that will meet all your needs, and it will save you money and give you greater long-term security. But if you have specific requirements that cannot be met that way, you will have to go for bespoke.
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