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>COTS you do not want to modify/adapt to your busines

This is redefining a term after the fact to suit marketing needs of the new term - with the except of bespoke solutions, it has always been possible to adapt COTS products - have you not seen SAP? Dynamics? Even Excel is COTS

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Yes you can modify SAP, but upgrading then becomes very hard. Many companies are stuck at old versions of SAP because upgrading it, including migrating all the customizations, is very expensive and takes a lot of time.

I would consider Excel a no-code/low-code (pretty complex macros in there + vba) platform.

Wait until people have to upgrade "low-code" apps in 10 years time... will be the same problem.

Probably less problematic, as you dont have to merge your changes with a new release from SAP, it's justy your code that needs to be maintained.

It isn't at all. Salesforce and Netsuite for example don't offer you the option of getting left behind. They might break you, and you can postpone some upgrades/migrations, but not forever.

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