Why Over-Customization Is Blocking AI Adoption — and How to Fix It By SCI360, a division of 360 Intelligent Solutions In financial services cloud projects, failure rarely happens because of the platform. It happens because of scope. More specifically: over-customization disguised as innovation . Across banks, insurance carriers, MGAs, and fintech organizations, we repeatedly see the same pattern: teams begin with a modern cloud implementation, but gradually layer in exception