For banks and credit unions
56 Browser Tabs. 9 Spreadsheets. 5 Antacids.
ALCO Prep Is Done.
Not to worry. There’s another one next month. Or: committee-ready competitive view in ten minutes. Rates. Trends. Gaps. Refreshed weekly. Your call.
Grounded in trusted data sources.
FDIC BankFind Suite
NCUA 5300 Call Reports
FFIEC Central Data Repository
CFPB Consumer Complaints
Federal Reserve Survey of Household Economics
JD Power Retail Banking Studies
Bankrate Fee Surveys
We start with the data the regulators already trust. Then we do the work.
Your market moves daily. Your view of it doesn't.
Your competitors change rates, launch products, and adjust fees constantly. Knowing where you stand is work your pricing, product, and retail teams need done continuously. Today it eats days, and it's stale the moment it's finished.
Meanwhile, more of your members meet your products through AI. Those layers surface whoever is most competitive and most clearly presented. To be that institution, you have to see your whole market the way they do. Today, you can't, not without the right tools.
You already knew this. So we built Vira.
Different roles. Different questions. One market picture.
Deposit & Retail
ALCO without the antacids.
Committee-ready competitive view in ten minutes. Rates, trends, fees, gaps. The annual fee review, in an afternoon. Exportable.
What Vira Sees
Products, features, rates, fees, programs, personas, and changes. Standardized and tracked across every competitor you choose.
Products
Every product.
Classified into 387 types. “Advantage Plus Checking” and “Smart Rewards Account” both show up as what they are: rewards checking. No more comparing apples to whatever-they-decided-to-call-it.
Product and retail leaders sizing the market.
Features
Every feature.
3,870 feature definitions, ranked by what actually drives consumer choice. Monthly fees first (CFPB’s top complaint category). Minimum balance next. ATM access. Overdraft policies. Ordered by how people choose banks, not how banks choose to market. Every data point links to the competitor’s own page. We don’t ask you to trust us. We show our work.
CMOs and product teams hunting feature and messaging gaps.
Rates & Fees
Every rate and fee.
Tracked over time. Structured outputs, schema-aligned across institutions. Flat, waivable, or conditional. Every condition captured, not just the number. Actuals, not averages.
Lending leaders and ALCO prepping rate and fee decisions.
Programs & Personas
Every program and persona.
27 named programs. 18 persona segments. Students. Seniors. Military. New-to-country. First-time homebuyers. Select a persona. See the landscape.
Marketing and product teams planning launches and campaigns.
Changes
Every change.
By text. When nothing changes, silence. The intelligence arrives. You don’t go fetch it.
Everyone who’s ever been blindsided by a competitor’s Tuesday promotion.
Scanning 230+ institutions weekly. Built for all 8,400+. Because why stop at some?
An analyst that reads the whole market. Every week.
Imagine hiring an analyst who reads every competitor's website cover to cover. Extracts every detail. Organizes it. Does it again next week. Never gets tired. Never misses a page. Doesn't drink your coffee.
That's Vira. Built by a team that's shipped production ML at consumer scale, in regulated, high-stakes environments where mistakes have consequences. Meet the team →
What that engineering shows up as, on your screen:
Any competitor you want.
Not a fixed list. The aggressive CU across town. The neobank stealing your millennials. The mortgage specialist who showed up out of nowhere. You pick. We scan.
Click-through provenance.
Every rate, fee, and feature links back to the competitor’s actual page. Nothing is a black box. AI can make mistakes. Source links let you tell when.
Sanity checks at machine speed.
Before any value lands, the system asks whether it could possibly be right. A rate that “jumped” from 4.5% to 45% gets caught. The boring failures that quietly poison every other dataset don’t poison this one.
Weekly cadence.
The market moves. Your data moves with it. You don’t have to ask.
Schema-aware extraction. Multi-pass verification. Fine-tuned models. Closed-loop quality control. Continuous evals every release.
Everyone told us the banking product landscape couldn't be normalized across 8,400 institutions. We found that interesting.
Every gap between your story and theirs. You decide which ones matter.
When Vira lines your published products up against your competitors', gaps appear. A feature on their page that's missing from yours. A rate they lead on. A program you don't seem to offer.
Some of those gaps are real. You're missing something the market expects, and it belongs on your roadmap.
Some of those gaps are only on paper. You offer the thing. You just never said so clearly on your own site, which means your members and the AI reading it both miss it.
Vira finds every gap. It does not pretend to know which is which, because only you know your own products. That call is yours. Vira's job is to make sure no gap, real or merely unsaid, ever catches you by surprise.
From the Pilot
Check the whole market the moment you wonder. Not next quarter.
Verbatim reactions from product, lending, marketing, and retail teams at a $4.8B credit union. The research that used to take a day or more now takes minutes, so it happens whenever the question comes up.
On research that used to eat a full day
“This usually would take us a whole day or more.”
Product Analyst
$4.8B credit union
On trusting the data, minute one
“The methodology I see just from poking around for a few minutes. Fantastic.”
Marketing Operations Leader
$4.8B credit union
On showing the tool to a colleague
“I took a quick look at what another FI was offering in their cash offer and HELOC space, and Marketing said, ‘Wow, you can get that quick.’”
Member Engagement Leader
$4.8B credit union
On where the next campaign comes from
“It is a lot quicker because you can see an overview and see which ones you want to dig deeper into. That sparks ideas.”
Retail Products Leader
$4.8B credit union
You have options. Here's the honest comparison.
vs. building it yourself
A pilot CIO put it plainly: “I could build this. It would take me two to three years with everything else I have going on.” 387 product types and 3,870 features later, it's already built, already running, and already getting sharper every week. Your engineers have a roadmap. This isn't on it.
vs. traditional banking data services
The old way is survey data and quarterly reports: a rate table, weeks old, for the handful of institutions someone thought to ask about. Vira reads what your competitors publish, structured down to the feature, refreshed weekly, for any institution you choose. No integration. No per-seat license. Live in days, not a procurement cycle.
What Vira Is Not
Not a way to game AI search.
Vira does not touch what ChatGPT or Google says about you out in the world. That’s not the job. Vira points inward, at your market, and shows you the truth: how you compare, and where your published story has gaps. What you do with that, on your roadmap or your own site, is yours to decide.
Not an AI that makes things up.
Source-linked and multi-pass verified. Every value links back to where it lives on the competitor’s own page. No source, no entry. Verify in one click.
Not a judge of your products.
Vira finds every gap between your published story and your competitors’. It does not pretend to know which gaps are real and which are just unsaid. Only you know your own products. Vira does the finding. You do the deciding.
Not a six-month implementation.
No core integration. No data sharing. You pick the competitors. We do the rest.
Not built for the trillion-dollar banks.
Built for teams running competitive research on Google, spreadsheets, and memory. You’ve been promoted from that. Congratulations.
Day 1: tell us your competitors. Day 4: first intelligence report. No IT. No integration. No disruption.
Three Ways In
Free Snapshot
A preview of your competitive landscape. Enough to see the possibilities. Made just for your institution.
Free
Get SnapshotWhat you'll get
- Custom competitive preview
- Rate & product comparison
- No commitment required
30-Day Pilot
Full platform. Your competitors. Weekly updates. (We think we’re right for you. But we’re biased.)
Contact Us
Start PilotWhat you'll get
- Full platform access
- Your actual competitors
- Weekly data refreshes
- Dedicated onboarding
Just Talk
Strategy, not sales. Promise.
Free
ConnectWhat you'll get
- No-pressure conversation
- Discuss your competitive strategy
- Custom recommendations
- Learn how Vira fits
P.S. While you were reading this, at least one of your competitors changed something. Wouldn't it be nice to know what?
Common Concerns, Confident Answers
100% yes. Public information only. No mystery shopping. No deception. Just smart aggregation of data anyone could find, if anyone had the time.
Can't find what you're looking for? Contact our customer support team