For non-core functions, SaaS is used. Public.icon
The theory is to use SaaS for non-core functions and to build in-house for core functions. This means that payments are positioned as core functions (even within Uniqlo). I feel that we are entering an era where the classification of core/non-core functions is not a vertical function, but a hierarchical one. For example, even if software provision is considered core for many companies, they may use AWS for server/infrastructure parts as non-core functions. A more detailed judgment of core/non-core functions is required in this era.
/emoji/twitter.icon What I think is most important in organizing work efficiently is to clearly distinguish between points that should be solved by operation (business flow) and those that should be solved at the system level. However, things that can be solved at the system level will continue to increase (commoditization), so it is important to periodically review operations.