I have had experience in both of these arenas and both have their pros and cons. Regardless of the platform FOCUS is key. Apps can be developed at a much lower cost than a SaaS platform. Easier to sell and support. But can be difficult to monetize and reach you market. However, if the app and monetization model is right then then the income spike can be massive in a short period of time. SaaS : Much more investment required up front, but customer retention and long term growth more probable. Both models are risky and both need large marketing budgets. If you need any more assistance feel free to give me a call.