Pros:

Quick implementation - live in 6 weeks. Intuitive no-code tools for updates. Great support team. Affordable pricing for mid-size CUs. Mobile SDK was easy to integrate.

Cons:

NLU not as sophisticated as Kasisto. Chat-only, no voice yet. Some integrations require custom work. Limited advanced analytics.

ROI Notes:

Reduced email inquiries 35%. Saving $4,200/month.

Pros:

Great starter chatbot for CUs new to AI. Implementation was fast. Their team handled most of the setup. Good mobile app experience. Contract flexibility is appreciated.

Cons:

Not as smart as premium solutions. Limited to text chat. Some member questions go unanswered. Needs frequent manual updates.

ROI Notes:

Reduced simple inquiries by 30%. Saves about $4,500/month.

Pros:

Easy to implement. Good for basic FAQs. Pricing is reasonable. Support responds quickly. Mobile integration worked smoothly.

Cons:

Struggles with complex questions. No voice capability. Analytics are too simple for our needs. Had to manually train many intents.

ROI Notes:

Modest savings of $2,800/month. Useful but not transformative.

Pros:

As a small credit union with only 4 FTE, Posh Answers transformed our website in just days. The Small Credit Union Assistance Fund subsidies made it affordable. Enhancement requests are delivered in days, not months.

Cons:

Initial setup of the knowledge base took some time, but support walked us through it.

Pros:

Quick wins for basic automation. Reasonable price. Support is friendly. Setup was straightforward. Works well on website and mobile.

Cons:

Limited AI capabilities. Frequently needs human handoff. Can't compete with enterprise solutions. Missing features we need.

ROI Notes:

Handles simple questions. Saves maybe $3,200/month.

Pros:

Best value for money. Setup was painless. Members adopted it quickly. Pre-built banking intents saved months of training. Excellent customer success manager assigned to us.

Cons:

Accuracy is good but not great (85% vs Kasisto's 92%). Dashboard reporting is basic. No voice option yet.

ROI Notes:

Call volume down 18%. About $3,800/month in savings.

Pros:

Solves 94% of member requests without a live agent. Call abandon rates decreased 93% and our call center approval rating is now 97%. Being a CUSO means they truly understand credit union culture. The Partner-for-Life model with biannual optimization meetings keeps improving the system.

Cons:

Pricing could be more competitive for smaller credit unions, though the CCUA partnership helps.

Pros:

Best implementation experience we've had. Very responsive support. Affordable for our size. Members find it helpful for basic questions. Easy to make updates ourselves.

Cons:

NLU accuracy could be better. No advanced features. Limited analytics. Can't handle account-specific transactions yet.

ROI Notes:

Email volume down 40%. Saving roughly $3,900/month.