Pros:

45+ out-of-box integrations with our entire tech stack. Member authentication dropped from minutes to 45 seconds. Reduced loan approval time by 3 days. The 24/7/365 support with priority access to top technicians is worth every penny.

Cons:

The platform has so many features that we're still discovering new capabilities months after implementation.

Pros:

Good SMS solution. Members use it for quick checks. Implementation was straightforward. Support is helpful. Security features work.

Cons:

Limited functionality. Per-member cost adds up. Can't replace full chatbot. Some features require upgrades. Basic analytics.

ROI Notes:

Useful but limited. Saves maybe $4,200/month.

Pros:

Perfect for younger demographics. SMS is where our members are. Card controls via text are popular. Integration was smooth. Compliance tools built-in.

Cons:

Limited to text - no voice. Some features require add-ons. Analytics could be deeper. Pricing adds up with high volume.

ROI Notes:

Phone fraud down significantly. Labor savings of $5,200/month.

Pros:

SMS is perfect for our demographic. High adoption rate. Members prefer it over calling. Fraud alerts work great. Easy to manage.

Cons:

Pricing model doesn't favor larger CUs. Text-only limits use cases. Need to upgrade for advanced features. Some integration gaps.

ROI Notes:

Strong member engagement. Savings of about $5,800/month.

Pros:

Members love texting for banking. Setup was quick. Symitar integration worked well. Two-factor auth via SMS adds security. Support team is responsive.

Cons:

Per-member pricing gets expensive. Character limits are frustrating. Can't send documents easily. Some use cases don't fit SMS.

ROI Notes:

High engagement with younger members. About $7,100/month savings.

Pros:

SMS banking is what members want. 76% containment rate is impressive. Two-way texting works flawlessly. Fraud alerts via SMS are game-changing. Bilingual support is solid.

Cons:

Character limits require concise responses. MMS support came late. Some members confused by automation. Core integration took longer than expected.

ROI Notes:

After-hours engagement up 340%. Saving $6,800/month.

Pros:

Achieved 600% ROI with payback in under 2 months. Text messages have 98% open rate within first 3 minutes. Our delinquency dropped by $3.7M in just 4 months using payment reminders. The dedicated Technical Account Manager is like having an extension of our team.

Cons:

Wish we had implemented this years ago - no real cons to speak of.