What's the Dilly-o
Buyer's guides
One guide per category: our verdict, how we'd size up a vendor, what other credit unions chose, what your examiner will ask and what it costs. Every claim links to its source.
- ACH, wires & real-time paymentsSoftware for sending and receiving money between institutions: ACH origination, wire transfers, and instant payments over FedNow and RTP.Updated Nov 10, 2026
- ALM & CECLSoftware for managing interest-rate and liquidity risk across the balance sheet, and for calculating the loan-loss reserves the CECL accounting standard requires.Updated Nov 10, 2026
- AML & transaction monitoringTools that watch member transactions for signs of money laundering or terrorist financing, manage the alerts they raise, and file currency transaction and suspicious activity reports.Updated Nov 10, 2026
- Account & income dataServices that, with a member's permission, pull their bank account, payroll and income data to verify account ownership, employment and income.Updated Nov 10, 2026
- Analytics & BIDashboards, data warehouses and peer benchmarking built for financial institutions, turning core and digital banking data into reports leaders can act on.Updated Nov 10, 2026
- AuthenticationTools that confirm a returning member is really the account holder, through multi-factor or passwordless login online and caller checks on the phone.Updated Nov 10, 2026
- Auto & indirectPlatforms for auto loans arranged through car dealers: receiving and deciding dealer applications, funding the loans and managing the dealer relationships behind them.Updated Nov 10, 2026
- Bill pay & P2PServices that let members pay their bills and send money to friends and family from online and mobile banking.Updated Nov 10, 2026
- Branch & tellerSoftware staff use in the branch: teller systems, platform desktops for opening accounts and serving members, and cash and vault management.Updated Nov 10, 2026
- Business account openingPlatforms for opening deposit accounts for businesses, from the application through collecting and checking information on the owners.Updated Nov 10, 2026
- Business verification (KYB)Tools that confirm a business is real and identify the people who own and control it, using registry, ownership and other business data.Updated Nov 10, 2026
- CRM & marketingCRM and marketing automation built for financial institutions, used to understand members and reach each one with the right offer at the right time.Updated Nov 10, 2026
- Card issuing & processingThe platforms and processors behind members' debit and credit cards: issuing cards, authorizing transactions, running the program day to day and handling disputes.Updated Nov 10, 2026
- Collections & recoverySoftware for getting late payments back, from early reminders and digital outreach through charge-off and recovery.Updated Nov 10, 2026
- Commercial & SBASystems for originating and managing business loans, including SBA 7(a) and 504 lending, credit analysis and financial spreading.Updated Nov 10, 2026
- Compliance managementTools for running the compliance program beyond AML: tracking regulatory change, managing policies and complaints, and fair lending and HMDA reporting.Updated Nov 10, 2026
- Consumer account openingPlatforms for opening memberships and deposit accounts for individuals, online or in the branch, from the application to a funded account.Updated Nov 10, 2026
- Consumer identity verification (KYC)Tools that confirm an applicant is who they say they are when they join, using document and selfie checks, identity data and onboarding decisions.Updated Nov 10, 2026
- Consumer loan originationSystems that take a consumer loan from application to funding, covering personal loans, direct auto loans, credit cards and share-secured loans.Updated Nov 10, 2026
- Contact center & conversational AISoftware for serving members by phone and chat, from contact center platforms to AI chatbots and voice agents built for financial institutions.Updated Nov 10, 2026
- Core processingThe system of record behind every member account: balances, transactions, loans, deposits and the general ledger the rest of the institution runs on.Updated Nov 10, 2026
- Credit & enrichment dataCredit bureau, alternative and cash-flow data about people and businesses, sold as an input to the lender's own decisions.Updated Nov 10, 2026
- CybersecurityServices and software that protect the institution's systems and data from attack, including managed detection and response, email security and vulnerability management.Updated Nov 10, 2026
- Document processing & e-signatureTools that read documents automatically, pulling data from statements, pay stubs and forms, and collect electronic signatures.Updated Nov 10, 2026
- Enterprise & model riskSoftware for running the institution's enterprise risk program and for validating and monitoring the models behind lending, pricing and other decisions.Updated Nov 10, 2026
- Financial wellnessTools inside digital banking that help members manage money, such as budgeting and spending insights, savings goals and credit education.Updated Nov 10, 2026
- Fraud detectionPlatforms that spot and stop fraud across logins, account activity, checks and payments, including scams that trick members into sending money.Updated Nov 10, 2026
- Integration & APIsMiddleware, API management and connectors that link the core to digital banking, lending and fintech apps, so data moves between systems without custom builds.Updated Nov 10, 2026
- Loan servicingSystems for managing loans after funding: payments, escrow, statements, payoffs and modifications.Updated Nov 10, 2026
- MortgageSystems for originating, processing and closing home loans and HELOCs, from the borrower's online application to the closing documents.Updated Nov 10, 2026
- Online & mobile bankingThe online and mobile banking platforms members use day to day to check balances, move money, deposit checks and manage their accounts.Updated Nov 10, 2026
- Sanctions screeningTools that check members and payments against OFAC and other government watchlists, plus screening for politically exposed persons and adverse media.Updated Nov 10, 2026
- Treasury & liquiditySoftware for managing the institution's cash position, investment portfolio, sweeps and funding sources.Updated Nov 10, 2026
- Underwriting & decisioningDecision engines and scoring models that decide who is approved and on what terms, including cash-flow underwriting for applicants with thin credit files.Updated Nov 10, 2026
- Vendor (third-party) riskPlatforms for vetting and monitoring the institution's own vendors, from due diligence before signing to ongoing reviews of risk, contracts and performance.Updated Nov 10, 2026
- Workflow & case managementTools that route work, track tasks and automate back-office processes across departments, outside fraud and AML case management.Updated Nov 10, 2026