Copilot Business. $32 per user. Built for institutions under 300 seats.
80% of your employees already use AI tools at work. The question is whether that AI runs inside your governed Microsoft 365 environment or outside it. Copilot Business puts AI in Word, Excel, Outlook, and Teams, backed by the same DLP policies, sensitivity labels, and audit logs that Guardian enforces today. $10 more per user than Business Premium alone.
Under 300 seats
Three paths to AI. One governance layer.
Every path includes Guardian governance. The difference is the license. Most credit unions and community banks under 300 seats start with the Business Premium bundle.
- AI in Word, Excel, PowerPoint, Outlook, Teams
- Works with Business Standard or Basic
- No device management included
- No Defender threat protection
- Requires separate security stack
- Everything in Copilot Business standalone
- Intune device management
- Defender for Office 365
- Purview DLP and sensitivity labels
- Conditional Access policies
- Guardian governance included with ABT licensing
- Enterprise Copilot ($30/user add-on)
- Copilot Studio agent builder credits
- Microsoft Graph grounding
- Advanced eDiscovery and insider risk
- Full Purview compliance suite
What Copilot does on day one. No training required.
Copilot runs inside the apps your team already opens every morning. No new software. No workflow changes. Here is what happens when a loan officer asks Copilot a question in Excel.
Property at 1420 Oak Ridge Dr appraised at $387,000, which is 6.2% below the purchase price of $412,500. The report notes deferred maintenance on the roof (estimated $14,200) and a comparable sale at $391,000 that sold 4 months ago. Based on your 90% LTV policy, the maximum loan amount would be $348,300, requiring $64,200 down instead of the originally quoted $41,250.
Meeting summaries in Teams
A 60-minute board call becomes a structured summary with action items, decisions, and follow-ups. Every attendee gets the same record.
Email drafts in Outlook
Copilot reads the full thread and drafts a reply matching your tone. Forrester measured 25 hours saved per user per month on email alone.
Data analysis in Excel
Ask Copilot to compare Q1 delinquency trends across branches. No formulas. No pivot table expertise. Plain English in, charts out.
Document drafting in Word
Generate a first draft of your BSA/AML policy update using your existing documents as source material. Review and edit, not write from scratch.
See what Copilot costs for your team
ABT's AI Readiness Assessment checks your tenant security, data governance, and licensing in under 10 minutes. No obligation.
Start Your Free Assessment →Live in 30 days. Governed from day one.
ABT does not hand you a license and walk away. We run a phased deployment that starts with governance, proves value with early adopters, then scales to the full organization. Read the full readiness guide →
AI Readiness Assessment
We grade your tenant: Secure Score, DLP coverage, sensitivity labels, identity posture. If gaps exist, we close them before Copilot touches your data.
Under 10 minPilot Group
5-10 power users get Copilot first. We measure adoption, identify training needs, and collect real productivity data from your institution.
Week 1-2Department Rollout
Expand to full departments. Champions program launches. Guardian monitors Copilot data access patterns and flags policy violations in real time.
Week 3-4Full Organization
All licensed users are live. Monthly Security Insights track Copilot usage alongside tenant health. Quarterly reviews optimize licensing and identify new use cases.
OngoingGo deeper on Copilot for financial institutions
Before You Deploy Copilot, Read Microsoft's Own Security Warning
Microsoft published a list of risks that apply to every Copilot deployment. Most institutions skip this step. Here is what the warning says and how to respond.
Read article
77% of Banks Use AI. Only 37% Govern It.
The gap between AI adoption and AI governance is widening. For credit unions and banks deploying Copilot, governance is not optional. It is the deployment prerequisite.
Read article
AI Readiness Assessment for Credit Unions: 25-Point Framework
A structured evaluation covering tenant security, data governance, identity maturity, and change management readiness. Score your institution before you license Copilot.
Read articleCopilot Business FAQ
Ready to add AI to your Microsoft 365?
Choose the path that fits where your institution is today. ABT handles licensing, governance setup, and deployment. You focus on the outcomes.
Check Your AI Readiness
10-minute tenant assessment. Free.
Review AI Governance
Agent 365 Five Controls framework.
Talk to an Expert
Pricing, licensing, deployment plan.
