The SaaS industry faces increasing challenges as companies like Klarna shift towards in-house AI solutions, reducing reliance on traditional providers like Salesforce and Workday. Experts warn that generative AI could make software development cheaper and more accessible, prompting a reevaluation of SaaS's value. While some argue that SaaS will remain relevant, others suggest a hybrid model combining in-house development with existing SaaS tools may become the norm. The future of enterprise software is uncertain amid these transitions.