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Core capabilities carry 32 points; workflow depth carries 68. AI contributes the category-specific weight shown below within those totals. Change group priorities and see every contribution update.
How the score is calculated →Documented fit across available plans · unknowns shown as ranges · no customer ratings
| Features & decision context |  Microsoft Copilot Studio69–100/100 documented fit Core capabilities28.8–32 / 32 pts9/10 checks with established status Workflow depth40–68 / 68 pts8/18 checks with established status | Intercom64–98/100 documented fit Core capabilities30 / 32 pts10/10 checks with established status Workflow depth33.6–68 / 68 pts7/18 checks with established status |
|---|---|---|
| How AI changes fitSame priorities, with and without AI | 69–100 with AI73–100 without AIFeature-fit points; not measured ROI | 64–98 with AI66–97 without AIFeature-fit points; not measured ROI |
| Supplier website | Visit Microsoft Copilot Studio | Visit Intercom |
| Good fit for | Organizations building governed agents around Microsoft and connected business systems. | Teams combining digital customer service with a configurable AI agent and human support inbox. |
| Look more closely when | You want an unconfigured, flat-price service with no Azure, environment or usage planning. | You need a single flat fee independent of AI outcomes, channel volume and support seats. |
| Pricing snapshotDifferent billing units are not directly comparable | $200.00per 25,000-credit pack/month The official FAQ lists 25,000-credit packs at $200/pack/month and a pay-as-you-go alternative. A credit is not one conversation; consumption varies by action or response. Pricing source | $29.00per seat/month plus Fin outcomes and channel usage · billed annually Annual Essential starts at $29/seat/month, Advanced $85 and Expert $132. Fin is advertised from $0.99 per outcome. Optional Copilot and channel usage add costs. Pricing source |
| Business knowledge & context 20% base weight | ||
| Core capabilityKnowledge-source groundingGround agent answers in configured business documents or help content. | Supported4 / 4 pts Agents use configured business knowledge. Official documentation · Oct 15, 2026Source | Supported4 / 4 pts Fin answers using configured customer-support knowledge. Official documentation · Oct 15, 2026Source |
| Core capabilityConnected business-record contextRetrieve or use business-system records beyond a static article corpus. | Supported4 / 4 pts Agents can access context through connected business systems. Official documentation · Oct 15, 2026Source | Limited2 / 4 pts API Data connectors provide business records; Fin cannot directly query Intercom custom attributes or event data for answers. Official documentation · Oct 15, 2026Source |
Depth checkInspectable source evidenceInspect source references or retrieved content supporting an agent answer.Ask for a demonstrationAsk a policy question and open the evidence used for the agent’s response. A scenario to run with the supplier; not a completed product test. | Supported5.6 / 5.6 pts Evaluation drill-down identifies knowledge sources and tools used in the response. Official documentation · Oct 15, 2026Source | Supported5.6 / 5.6 pts Fin batch-test detail identifies the content sources used in an answer. Official documentation · Oct 15, 2026Source |
Depth checkRestricted retrieval contextRestrict retrieved knowledge or record fields by identity, audience or configured data scope.Ask for a demonstrationAsk the same question with two different permissions and show the difference in retrieved context. A scenario to run with the supplier; not a completed product test. | Supported6.4 / 6.4 pts SharePoint grounding uses the authenticated user’s existing content access, without increasing permissions. Official documentation · Oct 15, 2026Source | Supported6.4 / 6.4 pts Audience rules restrict content, guidance, data connectors and automations to specified customer groups. Official documentation · Oct 15, 2026Source |
| Tools & workflow actions 20% base weight | ||
| Core capabilityConnected tools and actionsInvoke a tool or perform a documented connected-system action. | Supported4 / 4 pts Connected-system actions are documented. Official documentation · Oct 15, 2026Source | Supported4 / 4 pts Data connectors can fetch or update external-system data. Official documentation · Oct 15, 2026Source |
| Core capabilityMulti-step agent workflowsConfigure an agent to follow or coordinate a multi-step business workflow. | Supported4 / 4 pts Configured agent workflows are documented. Official documentation · Oct 15, 2026Source | Supported4 / 4 pts Procedures and workflows can call configured connectors. Official documentation · Oct 15, 2026Source |
Depth checkHuman approval for selected tool actionsRequire approval before a configured agent performs selected business actions.Ask for a demonstrationAsk for a consequential change and show the agent waiting for explicit approval. A scenario to run with the supplier; not a completed product test. | Supported5.6 / 5.6 pts Agent flows can combine AI stages with explicit human approval stages; advanced approvals are labeled preview. Official documentation · Oct 15, 2026Source | Not verified0–5.6 / 5.6 pts The reviewed evidence does not establish this advanced behavior: human approval for selected tool actions. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source |
Depth checkStructured tool inputs and validationDefine required tool parameters or validation before an action is sent to a business system.Ask for a demonstrationOmit or corrupt a required input and show how the agent/tool handles it before execution. A scenario to run with the supplier; not a completed product test. | Supported6.4 / 6.4 pts Tools expose configurable input collection and filling, with user or maker authentication. Official documentation · Oct 15, 2026Source | Supported6.4 / 6.4 pts Connector inputs specify what Fin must collect before executing; responses use configured mappings. Official documentation · Oct 15, 2026Source |
| Monitoring & handoff 16% base weight | ||
| Core capabilityAgent monitoring or tracesInspect agent activity, conversation history or execution traces. | Supported3.2 / 3.2 pts Monitoring and analytics are documented. Official documentation · Oct 15, 2026Source | Supported3.2 / 3.2 pts Connector health dashboards expose execution logs, usage and performance. Official documentation · Oct 15, 2026Source |
| Core capabilityHuman handoff or approvalHand work to a person or require an explicit human approval point. | Not verified0–3.2 / 3.2 pts The reviewed documentation does not establish human handoff or approval at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source | Supported3.2 / 3.2 pts Fin can escalate to human agents. Official documentation · Oct 15, 2026Source |
Depth checkStep-level agent execution traceInspect a sequence of agent decisions/tool calls and their execution results.Ask for a demonstrationOpen one failed task and show which tool call failed and what happened next. A scenario to run with the supplier; not a completed product test. | Supported4.8 / 4.8 pts Historical activity can be inspected as an activity map or transcript. Official documentation · Oct 15, 2026Source | Supported4.8 / 4.8 pts Connector monitoring includes execution logs and request results for troubleshooting. Official documentation · Oct 15, 2026Source |
Depth checkContext-preserving human escalationHand a task/conversation to a person with the history or relevant task context available.Ask for a demonstrationEscalate midway through a task and show the context available to the human. A scenario to run with the supplier; not a completed product test. | Not verified0–4.8 / 4.8 pts The reviewed evidence does not establish this advanced behavior: context-preserving human escalation. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source | Not verified0–4.8 / 4.8 pts The reviewed evidence does not establish this advanced behavior: context-preserving human escalation. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source |
| Permissions & operational controls 12% base weight | ||
| Core capabilityAgent access controlsRestrict user, role or data access for agents and their administration. | Supported2.4 / 2.4 pts The platform documents governance and access controls. Official documentation · Oct 15, 2026Source | Supported2.4 / 2.4 pts Restricted-data selection and authentication controls limit data exposed to Fin. Official documentation · Oct 15, 2026Source |
| Core capabilityAudit or deployment controlsAudit agent-related operations or control deployment environments and configuration. | Supported2.4 / 2.4 pts Audit integration and environment controls are documented. Official documentation · Oct 15, 2026Source | Supported2.4 / 2.4 pts Data connectors have draft/live states and configurable rollout audiences. Official documentation · Oct 15, 2026Source |
Depth checkAgent configuration history or versionsInspect configuration changes or published agent versions.Ask for a demonstrationChange an agent instruction and show the previous version or change record. A scenario to run with the supplier; not a completed product test. | Not verified0–3.2 / 3.2 pts The reviewed evidence does not establish this advanced behavior: agent configuration history or versions. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source | Supported3.2 / 3.2 pts Publishing a Fin Procedure requires a change note so revisions can be traced. Official documentation · Oct 15, 2026Source |
Depth checkCredential or connection access boundarySeparate agent credentials and connection permissions from unrestricted general workspace access.Ask for a demonstrationShow who can use versus change the agent’s connected-service credentials. A scenario to run with the supplier; not a completed product test. | Supported4 / 4 pts Tool connections can require each end user’s authorization instead of shared maker credentials. Official documentation · Oct 15, 2026Source | Not verified0–4 / 4 pts The reviewed evidence does not establish this advanced behavior: credential or connection access boundary. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source |
| AI configuration & evaluation 22% base weight | ||
| Core capabilityAgent behavior configurationConfigure instructions, behavior or agent workflow logic. | Supported2.4 / 2.4 pts Agent behavior and workflows can be configured; credits and environment limits apply. Official documentation · Oct 15, 2026Source | Supported2.4 / 2.4 pts Fin supports guidance, personality settings, knowledge and automations. Official documentation · Oct 15, 2026Source |
| Core capabilityAgent testing or evaluationTest or evaluate configured agents with documented evaluation, test or comparison tools. | Supported2.4 / 2.4 pts Evaluations run test sets, compare responses and export results. Official documentation · Oct 15, 2026Source | Supported2.4 / 2.4 pts Batch Test evaluates questions, sources and automations; tests support uploaded or historical questions. Official documentation · Oct 15, 2026Source |
Depth checkRepeatable agent test setsRun a saved collection of test cases against changed agent behavior.Ask for a demonstrationRun the same saved test set before and after changing instructions and compare failures. A scenario to run with the supplier; not a completed product test. | Supported3.2 / 3.2 pts Saved test sets can be rerun after changing knowledge, instructions or tools. Official documentation · Oct 15, 2026Source | Supported3.2 / 3.2 pts Saved batch tests run questions from past conversations or imported/custom test sets. Official documentation · Oct 15, 2026Source |
Depth checkInspect evaluation evidence or outcomesInspect per-case responses, tool results or evaluation outcomes beyond one overall score.Ask for a demonstrationOpen a failed test and show the expected outcome, actual response and supporting trace. A scenario to run with the supplier; not a completed product test. | Supported4 / 4 pts Per-case evaluation detail exposes actual responses, expectations, reasoning and used knowledge/tools. Official documentation · Oct 15, 2026Source | Supported4 / 4 pts Per-question test detail shows answers, sources, guidance and automation context. Official documentation · Oct 15, 2026Source |
Depth checkLimit the number of agent reasoning iterationsSet a low iteration cap on a test agent with a looping tool. Show where execution stops and how the failure is reported.Ask for a demonstrationSet a low iteration cap on a test agent with a looping tool. Show where execution stops and how the failure is reported. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkStream a response before generation completesDemonstrate "Stream a response before generation completes" with test data. Show the result, an exception case, and the required plan.Ask for a demonstrationDemonstrate "Stream a response before generation completes" with test data. Show the result, an exception case, and the required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkSwitch to a configured backup model after failureDemonstrate "Switch to a configured backup model after failure" with test data. Show the result, an exception case, and the required plan.Ask for a demonstrationDemonstrate "Switch to a configured backup model after failure" with test data. Show the result, an exception case, and the required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkTest agent behavior against prompt-injection casesDemonstrate "Test agent behavior against prompt-injection cases" with test data. Show the result, an exception case, and the required plan.Ask for a demonstrationDemonstrate "Test agent behavior against prompt-injection cases" with test data. Show the result, an exception case, and the required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
| Operational detail 10% base weight | ||
Depth checkDelete one conversation's persistent agent memoryDemonstrate "Delete one conversation's persistent agent memory" with test data. Show the result, an exception case, and the required plan.Ask for a demonstrationDemonstrate "Delete one conversation's persistent agent memory" with test data. Show the result, an exception case, and the required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkRun independent agent tools in parallelDemonstrate "Run independent agent tools in parallel" with test data. Show the result, an exception case, and the required plan.Ask for a demonstrationDemonstrate "Run independent agent tools in parallel" with test data. Show the result, an exception case, and the required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkRedact sensitive data before model processingDemonstrate "Redact sensitive data before model processing" with test data. Show the result, an exception case, and the required plan.Ask for a demonstrationDemonstrate "Redact sensitive data before model processing" with test data. Show the result, an exception case, and the required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkEnforce a token or spend budget per agent runDemonstrate "Enforce a token or spend budget per agent run" with test data. Show the result, an exception case, and the required plan.Ask for a demonstrationDemonstrate "Enforce a token or spend budget per agent run" with test data. Show the result, an exception case, and the required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
| AI usage and limits | Copilot Studio supports configured business agents and connected actions, with audit, governance and usage-management features. Reliability and permissions depend on your implementation.
| Fin is a customer agent; Copilot assists human agents. Fin can answer across channels, use connected systems and hand off. The billing definition includes some completed procedures, not only explicit customer-confirmed resolution.
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| Research date | Oct 15, 2026 Full source record → | Oct 15, 2026 Full source record → |