Vendor selection for credit unions

Choose vendors you can defend to your board and examiner.

Tell us what you need. We research 356 vendors, check each one against your core and send a shortlist, reviewed by an expert, with the evidence behind every pick. It starts with one email, and credit unions pay nothing.

Sam from Dilly Labs replies by email and runs the evaluation from there. Prefer a workspace? Sign in to the platform.

Shortlist brief · Example Credit Unionpage 1 of 3

ATO and transactional fraud

Assumes five needs, a Symitar core, budget up to $150,000, a decision this quarter. Prepared by Sam; reviewed by an expert before it was sent.

Shortlisted vendors
#	Vendor	Why it is here
1	Vendor A	Device and behavioral signals at login; fits online banking
2	Vendor B	Real-time ACH and wire decisions; device signals at login through a partner
3	Vendor C	Broad platform; ACH decisioning not yet shown to us
4	Vendor D	Strong payee-change detection; smaller team

Ruled out: Vendor F, card and check fraud only; Vendor G, no credit union on Symitar.

1Page one of a sample brief. Every claim carries its source, so your examiner can follow the reasoning without you in the room. Download the sample brief (PDF)

When a board member asks how a vendor was chosen, the rationale usually lives in someone's memory is a brief anyone can read.

Most evaluations start with whoever called last. Ours start with your requirements, compare every credible vendor against them and write down why each one made the list or missed it.

One thread, start to shortlist

No account, no portal, nothing for IT to approve. Copy colleagues and they see everything you see.

YouMon 09:12
“ATO losses doubled this year. Board wants options by end of quarter.”
Sam, Dilly LabsMon 09:20
Four questions that change the answer, in one list: size, channels, core, timeline.
YouMon 11:40
“$1.2B, online and ACH, Symitar, deciding in Q1.”
Sam, Dilly LabsTue 15:30
Five ranked vendors, two ruled out, with Shortlist brief.pdf and Comparison matrix.xlsx attached.
YouWed 08:30
“Put decision engines first.” The list re-ranks in the same thread.

Sample thread.

What arrives in the thread

A shortlist brief and a comparison matrix your committee already knows how to read. Your core is checked before any demo: each vendor shows whether your core provider lists it, our team has confirmed it with a credit union, or only the vendor says so.

Download the samples: shortlist brief (PDF) and comparison matrix (XLSX).

Comparison matrix · ATO and transactional fraud · sample
Your requirement^a	Vendor A	Vendor B	Vendor C	Vendor D	Vendor E
Device and behavioral signals		Partial			None
Real-time ACH decisioning	Partial			None	Partial
Symitar integration^c
SOC 2 Type II	Yes		Yes	In progress	Yes
Pricing basis^b	Per account	Per txn	Platform fee	Per account

aYour requirements are the rows.: Not a vendor's feature list.
bGaps stay visible.: Missing information is marked, never filled in for the vendor.
cYour core is a row.: Listed by the provider or confirmed with a credit union. Not confirmed doesn't mean it can't work.
1Highlighted cells cite a source.: Dotted ones are the vendor's own claim.

The shortlist is where it starts. The same thread carries the RFP, proposals, the decision record and renewals, with a workspace whenever you want one. How it works

Independent, and we show our work.

We work for the credit union. The decision stays with your team; we make sure it is one you can explain.

Read our method

A record for your examiner: Which vendors you considered, what you required, why you chose.
How we rank: Fit to your requirements first, then fit with your core, then the strength of the evidence.
Who pays: Vendors, never credit unions, and no fee changes where a vendor ranks.

Built on real procurement activity.

$1M+ in vendor decisions influenced, 356 vendors in the directory and 700+ institutions in our lead partnership network.

Client	What happened	Result
	Payoneer compared 8 decision engine vendors and had a working proof of concept in under 6 weeks.	6 wks
	Cashco Financial combined three separate vendor searches into one and chose a single vendor.	3 → 1
	Baselane found a 40% cost saving by comparing 5 decision engine alternatives with its current provider.	40%
	Rivet went from no shortlist to a signed vendor contract in 4 weeks, without a procurement team.	4 wks
	Obligo bought its first AI voice agents, for collections and customer service, through Dilly Labs.	1st

Questions credit unions ask first

What does it cost us?

Nothing. Vendors are listed free and pay a standard referral fee only when they sign a contract with a credit union through Dilly Labs. A vendor can also pay $6,000 a year to be offered in the Partner marketplace. Neither changes where a vendor ranks.

Who sees our requirements?

You, the people you copy and the Dilly Labs team running your evaluation. Vendors see nothing until you ask us to contact them.

Can we work in a web workspace instead?

Yes, whenever you like. Everything runs by email, RFPs and proposals included, so the workspace is optional. Sign in to it to see evaluations, vendors and the decision record on one screen.

Who reviews the shortlist?

An expert on our team reads and approves every shortlist before it is sent. Your first shortlist arrives within 1 to 2 business days of your answers.

What if the right vendor is not in your directory?

Name it in the thread and we research it before we rank it.

What is your team evaluating?

Or browse 356 vendors in the directory.