AI and Copilot.
Governed from Day One.
Your employees are already using AI. 80% of them brought their own tools. For credit unions, community banks, and mortgage companies, that is a compliance exposure. ABT brings AI inside the governed Microsoft 365 environment, so your institution gets the productivity without the risk.
Trusted by 750+ of the Nation's Leading
Lenders, Banks & Credit Unions.
Four paths to AI readiness. One governed foundation.
Whether you start with Copilot Business at $32/user or build custom agents with Copilot Studio, every path runs through governance first. Pick the one that matches where your institution is today.
AI is already in your institution. The question is whether it is governed.
Three data points explain why governance is urgent for every financial institution deploying AI.
Financial institutions that govern first, adopt faster.
IDC tracked organizations that embed AI into core operations rather than bolting it on. They call them Frontier Firms. The performance gap is not close. These firms see 88% top-line growth strength compared to 23% for organizations that treat AI as an experiment. ABT builds the governance foundation that moves financial institutions from experiment to Frontier. Read the full Frontier Firms analysis.
Assess Your ReadinessThree paths. One governed platform.
ABT publishes pricing because regulated institutions should not have to request a quote to plan a budget. These are current Microsoft CSP rates through ABT's Tier-1 partnership.
- ✓ AI across all Microsoft 365 apps
- ✓ Works with Business Standard or Premium
- ✓ $21/user/mo after promo ends
- ✓ Everything in Copilot Business
- ✓ Device management (Intune)
- ✓ Threat protection (Defender)
- ✓ Data loss prevention (Purview DLP)
- ✓ $43/user/mo after promo ends
- ✓ Everything in E5 ($60 value)
- ✓ Copilot ($30 value)
- ✓ Agent 365 ($15 value)
- ✓ Entra Suite ($12 value)
- ✓ 15% savings vs. individual add-ons
AI and Copilot insights for financial institutions
Copilot and AI for financial institutions
Yes. Fifty-nine percent of credit unions and forty-nine percent of banks report using generative AI tools in 2026 (FinXTech). Microsoft 365 Copilot Business is the most common choice for institutions under 300 seats because it integrates directly into the Microsoft 365 apps these teams already use: Word, Excel, Outlook, and Teams.
Microsoft 365 Copilot Business costs $21 per user per month as a standalone add-on, with a promotional rate of $18/user through June 30, 2026. The most popular option for financial institutions is the Business Premium + Copilot bundle at $32/user/month, which includes Intune device management, Defender threat protection, and Purview data loss prevention alongside AI.
AI governance is the set of policies, controls, and monitoring that ensures AI tools operate safely within a regulated environment. For financial institutions, this includes agent identity management through Entra Agent ID, data boundary enforcement through Purview DLP, lifecycle controls for AI agents, audit trails for compliance, and human approval workflows for sensitive actions. Microsoft's Agent 365 provides these five controls in a single management layer.
Copilot readiness is a governance decision, not a licensing decision. The key factors are your Microsoft Secure Score (80% or higher is the target), DLP policy maturity, identity posture through Conditional Access and MFA, and sensitivity label coverage. ABT's free AI Readiness Assessment evaluates these factors and produces a tenant grade in under 10 minutes.
Your Microsoft 365 Tenant.
Our Expertise.
Security hardening, audit prep, Copilot governance, license optimization. Tell us where you need help and we will connect you with a specialist who has done the work for a company like yours.
What does ABT do?
Access Business Technologies (ABT) manages and secures Microsoft 365 tenants for regulated financial institutions. ABT handles tenant hardening, Conditional Access policies, Intune device compliance, Defender configuration, and Purview governance so that mortgage lenders, credit unions, and community banks can meet GLBA, FTC Safeguards Rule, and GSE cybersecurity requirements without building an in-house security operations team.
Who is ABT?
ABT was founded in 1999 and is headquartered in Folsom, California. All three original founders still lead the company. ABT is a Tier 1 Microsoft Cloud Solution Provider, one of the first 15 CSPs globally, with SOC 2 Type 2 certification. ABT currently supports 750 plus active customers, over 90 percent of which are financial institutions.
What is ABT Guardian?
Guardian is ABT's managed operating model for Microsoft 365. It wraps around a client's existing tenant and applies a four-phase lifecycle: Hardening, Monitoring, Insights, and Response. Guardian uses Microsoft-native tools including Entra ID, Intune, Defender for Office 365, Purview, and Conditional Access. Guardian is SOC 2 Type 2 certified and provides continuous configuration drift detection, compliance monitoring, and incident response.
What can I discuss with an ABT expert?
The Talk to an Expert form covers eight areas: Microsoft 365 security hardening and Secure Score improvement, AI readiness and Copilot governance, GSE audit preparation for Fannie Mae and Freddie Mac requirements, license optimization and cost reduction, cyber insurance evidence packs and underwriter questionnaires, Microsoft 365 licensing through ABT as a Tier 1 CSP, interfaces and integrations with loan origination systems and other line-of-business platforms, and general consulting for organizations that are not sure where to start.
How does ABT connect Microsoft 365 to business systems?
ABT builds and maintains interfaces that connect Microsoft 365 with loan origination systems like Encompass and Byte, CRM platforms, accounting software, servicing systems, data warehouses, and internal APIs. These integrations use Azure Logic Apps, Functions, Runbooks, and Data Factory to ground AI agents in real data and reduce manual processes across systems.
Is there any obligation when I submit this form?
No. Submitting the Talk to an Expert form starts a conversation with no obligation to purchase. ABT believes in earning trust through demonstrated expertise. An ABT specialist typically responds within one business day. Phone (888) 422-3400. Email sales@myabt.com. Office at 850 Iron Point Road Suite 100, Folsom, California 95630.
- Security and Governance
- Guardian Managed Security
- Guardian MxDR
- Security Assessment
- Attack Simulation
- Security Insights
- Cloud and Data
- Microsoft 365 and Azure
- Business Intelligence
- Virtual Desktops
- Productivity Insights
- Mortgage and Custom
- MortgageExchange
- DocumentGuardian
- App Pilot
- Point Central
- Email Signatures
Tier 1 Direct Partner Authority