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
Trusted by 750+ of the Nation's Leading Lenders, Banks & Credit Unions.
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. Click each tab to see a real scenario from a financial institution.
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.
3 branches exceed your 2% threshold. Riverside branch leads at 3.1% (47 delinquent accounts, $2.3M outstanding), followed by Eastside at 2.7% and Lakewood at 2.4%. The remaining 9 branches average 1.2%. Riverside's spike correlates with a 22% increase in auto loans originated in Q4. I created a pivot chart showing the 90-day trend for each flagged branch.
The Henderson dispute involves 3 unauthorized charges totaling $847.50 from March 12-14. The member first reported on March 15. Your fraud team confirmed 2 of 3 charges as fraudulent on March 20. The third charge ($125.00 at Office Depot) matches the member's typical spending pattern. Draft response: acknowledges the dispute timeline, confirms $722.50 provisional credit posted today, and explains the $125.00 charge was within normal patterns with option to appeal.
6 action items identified: (1) Sarah to finalize Q1 ALM report by April 18. (2) Mark to present updated lending policy at next meeting. (3) CFO to schedule rate review with FHLB contact by end of week. (4) Compliance to complete BSA audit response, due April 25. (5) IT to provide Copilot adoption metrics for April board packet. (6) CEO to draft member communication re: branch hours change. Next meeting: April 22, 2:00 PM.
Document analysis in Word
Summarize appraisal reports, draft policy updates, flag lending criteria deviations.
Data analysis in Excel
Compare delinquency rates, flag threshold breaches, auto-generate charts.
Email drafts in Outlook
Summarize dispute threads, draft member responses, catch tone issues.
Meeting summaries in Teams
Extract action items, deadlines, and decisions from board calls.
See what Copilot costs for your team
ABT's AI Readiness Assessment scores your tenant security, data governance, and licensing readiness in under 10 minutes. Free for credit unions, community banks, and mortgage companies.
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
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