The short answer: if you're a non-technical founder who wants a whole app built and operated, a solo architect is usually the best choice. An agency pays off for very large programs with many teams; a freelancer is a good way to add capacity to an existing team.
| Criterion | Agency | Freelancer | Solo architect |
|---|---|---|---|
| Point of contact | rotating | one | one |
| Accountability | spread | a piece | the whole app |
| Price overhead | high | low | low |
| Post-launch operation | extra contract | rare | optional, included |
| Fixed price | sometimes | rare | yes |
I'm the solo architect in that table: 20+ years of experience, fixed price, full accountability from idea to operation. How to check this with any vendor is on how to choose the best app developer.