I also use ABA, cost is a major reason. It is sufficient, that is about all I will say as well. I do like that it is easy to track, they have to pass a test, and I can see how much time they spent in the course. For example: We have flood issues and the loan department says they need more training - but I see they only spent 7 minutes in the course - I have proof that it is likely a student (staff) issue and not a training issue....so to speak.
I wanted to change to BAI as well - but cost was a road block for my smaller bank.
Going to church doesn't make you a christian any more that standing in your garage makes you a car.