Vendor decisions your board can defend.
Dilly Labs is the procurement intelligence platform that takes financial institutions — credit unions, banks, and fintechs — from vendor chaos to auditable, defensible decision-making — covering discovery, evaluation, and ongoing oversight.
Based on your compliance requirements and budget, Vendor A leads on API latency and SOC 2 Type II coverage. Recommend proceeding to negotiation.
Trusted by teams managing $500M+ in vendor spend
Financial institutions and fintechs already using Dilly Labs for defensible procurement.
Vendor governance has not kept pace with vendor complexity.
The pattern is consistent:
Most financial technology buyers report significant regret within 18 months of a major vendor decision — driven by incomplete evaluation, undocumented rationale, and costs that weren't surfaced until after signing.
Credit unions and community financial institutions manage 40–80 vendor relationships across core banking, payments, compliance, and lending. Each procurement cycle involves months of scattered evaluation, undocumented rationale, and decisions that can't withstand regulatory scrutiny.
40–80
Vendor relationships per institution
18 mo
Avg. time to vendor regret
Fragmented Procurement
Vendor evaluation data lives in email threads, spreadsheets, and tribal knowledge. No single source of truth exists for decision history.
Financial Misalignment
Procurement decisions are made without structured cost-benefit analysis. Hidden costs surface after contracts are signed.
Renewal by Inertia
Contracts auto-renew because no one owns the review process. Incumbents persist without competitive benchmarking.
Governance Exposure
Regulators and board members ask for procurement justification. Teams scramble to reconstruct rationale after the fact.
From first requirement to audit trail.
Dilly Labs covers the full procurement lifecycle — from identifying the right vendors to maintaining ongoing oversight. Every step is structured, scored, and audit-ready.
Triage
An AI agent collects pain points and requirements from every stakeholder — solo or as a team — so the vendor search starts with complete clarity.
- ✓AI-guided stakeholder interviews that surface pain points and requirements
- ✓Single-player or multiplayer input — every stakeholder's voice is captured
- ✓Automated priority weighting across business, compliance, and technical needs
- ✓Structured output that scopes the vendor search before a single RFP goes out
Sourcing
A matching algorithm surfaces the right solutions from across the vendor repository. Compare capabilities side-by-side instead of combing through web research.
- ✓Matching algorithm runs across the full vendor repository to surface best-fit solutions
- ✓Side-by-side capability and feature set comparisons
- ✓Research that replaces hours of manual web digging with instant, organized results
- ✓Curated vendor profiles with compliance posture and integration readiness
RFP & Evaluation
Suggested questions for RFIs and RFPs, with standardized response collection — including pricing — so you can benchmark every option on the same rubric.
- ✓Suggested RFI and RFP questions tailored to the engagement — plus room for your own
- ✓Standardized response collection across all vendors, including pricing
- ✓Apples-to-apples benchmarking so every option is measured on the same rubric
- ✓Collaborative scoring workflows for multi-stakeholder evaluation
Decision
Weighted scorecards and executive-ready recommendations with defensible rationale — built to satisfy examiners and stakeholders alike.
- ✓Weighted scorecards summarizing capability, pricing, and compliance fit
- ✓Executive-ready recommendation narratives with defensible rationale
- ✓Risk and compliance sign-off tracking
- ✓Audit-ready decision documentation for examiners and board review
Governance
Track vendor performance around usage and spend. Proactive renewal alerts and audit-ready exports keep oversight continuous.
- ✓Vendor performance tracking around usage and spend
- ✓Spend variance detection and contract compliance monitoring
- ✓Renewal intelligence and proactive alerts
- ✓Board-ready audit exports and oversight dashboards
Real procurement activity. Proven outcomes.
Rivet went from zero to a signed vendor contract in 4 weeks — with no procurement team.
Obligo partnered with Dilly Labs to source AI agents for their platform for the first time — transforming collections and customer service with intelligent voice agents.
Payoneer evaluated 8 decision engine vendors and reached a successful POC in under 6 weeks.
Cashco unified three separate procurement motions to one vendor outcome eliminating technical bloat and vendor management chaos.
Baselane identified a 40% cost reduction by benchmarking 6 payment processor alternatives.
Built for the way financial institutions actually buy.
Most institutions run vendor evaluations through spreadsheets, email chains, and institutional memory. Dilly replaces that with a structured process that produces better decisions — and the documentation to stand behind them.
Fintech-specific from day one
Generic procurement tools weren't built for vendor categories like decision engines, KYC providers, or core banking infrastructure. Dilly's vendor catalog, evaluation criteria, and RFP templates are purpose-built for the fintech stack — so you're not starting from a blank spreadsheet.
Weeks to evaluate, not months.
Structure without the consulting bill
Most institutions that run rigorous procurement processes hire consultants to design them. Dilly gives you the same framework — requirements gathering, weighted scoring, comparable proposals — without the engagement fee, and without rebuilding it from scratch each time.
The process exists before you start.
Decisions you can show a regulator
Every evaluation produces a documented rationale automatically: what you required, who you considered, how you scored them, and why you chose who you chose. When an examiner asks how you selected a vendor, the answer is a single export.
No reconstruction. No scrambling.
Ready to bring structure to your vendor decisions?
Join the credit unions and financial institutions already using Dilly Labs to make defensible, auditable vendor decisions.