This is a great question because this is an area of diversity. Due to the nature of BPM, the workflow and processes will change and improve over time which will require modifications to the software. For this reason, it makes sense to be able to do it in-house. I would recommend that you try either the Agiloft product or the BonitaSoft product because you can develop them without a fee to a point to see if it is right for you. The product that we paid for upfront, the Interneer (Intellect) solution, doesn't seem to have the same capabilities or latest technology look and feel as the free version.

Agiloft has by far the best entry point for both cost and learning curve.