Outsourcing the development of an e-banking solution when in-house technical expertise is not available provides the greatest advantage of increased ability to adapt the system. Specialized outsourcing firms typically have extensive expertise and experience, enabling them to create more flexible and adaptable solutions that can better meet the specific needs and requirements of the organization. This approach allows access to a diverse pool of skills and resources, which enhances the ability to adapt the system to changing technology trends and business needs.