An AI-Guided Intelligence Platform for Financial Institutions
operational performance, vendor dynamics, and growth signals, into a single decision environment guided by the Lucira™ AI layer.
How It Works
The Ceto NOVA™ platform is built as a modular intelligence system. Each module focuses on a distinct domain of institutional intelligence and can be deployed independently based on an institution’s priorities.
At the platform level, these intelligence domains come together in a shared decision environment where market conditions, operational performance, vendor dynamics, and growth signals are evaluated side by side. The Lucira™ AI layer is being introduced within the Ceto NOVA™ platform to help leaders interpret intelligence across domains and move from insight to action with greater confidence.
This approach allows institutions to gain immediate value from individual modules while benefiting from a system that compounds insight over time.
Lucira™ AI
Guidance across the NOVA intelligence environment
NOVA Vantage™
Competitive & Market Intelligence
NOVA Pulse™
Operational & Performance Intelligence
NOVA Nexus™
Vendor & Contract Intelligence
NOVA Vantage™
Competitive and Market Intelligence
The NOVA Vantage™ module delivers competitive and market intelligence that community banks and credit unions rarely have the resources to gather on their own. Ceto's analyst team collects competitor rates, fees, and product data through direct research, giving institutions an accurate, tier-specific view of the competitive landscape.
Rather than relying on incomplete web research or general market reports, the Vantage gives decision-makers the comparative data they need to adjust pricing, close product gaps, and identify revenue opportunities with confidence.
What it powers:
- Competitive rate, fee, and product comparisons across deposits, lending, and ancillary services
- Tier-specific interest rate distillation for accurate side-by-side comparisons
- Market and peer rate dashboards with identification of pricing gaps and opportunities
- Fee evaluation across competitors to uncover areas of revenue improvement
- Product gap analysis to identify missing offerings and support portfolio expansion
NOVA Pulse™
Operational and Performance Intelligence
The NOVA Pulse™ module gives community banks and credit unions access to more than 250 proprietary benchmarks organized by department, delivering performance intelligence unavailable from any other source in the market. Benchmarks are calibrated to the institution's asset tier, ensuring comparisons reflect peer institutions of similar size and scale.
Rather than a best-effort annual review, the Pulse enables continuous performance tracking. Leaders can identify inefficiencies, optimize resources, and align teams with the strategy using data grounded in their actual operating environment.
What it powers:
- Department-level KPI tracking with peer benchmarking across operational and financial metrics
- More than 250 proprietary benchmarks are unavailable through any other source
- Asset-range customization for relevant peer comparison at every growth stage
- Snapshots feature to track performance improvements at the institution's own cadence
- Executive visibility into productivity, cost, and performance trends
NOVA Nexus™
Vendor and Contract Intelligence
The NOVA Nexus™ module centralizes vendor and contract intelligence for community banks and credit unions managing hundreds of vendor relationships. Contract ownership is consolidated, key dates are tracked automatically, and hidden fees are surfaced before they become costly oversights.
Nexus replaces fragmented spreadsheets and missed renewal windows with a single source of truth across the institution, supporting stronger cost control, compliance oversight, and third-party risk management.
What it powers:
- Centralized contract repository with searchable access to contracts, invoices, and correspondence
- Automated renewal, expiration, and non-renewal deadline notifications
- Identification of hidden fees including auto-renewal clauses and termination penalties
- Nexus Health Score to ensure contracts are properly uploaded, monitored, and maintained
- Vendor performance scorecards and oversight dashboards
- Top vendor spend dashboard with full audit trail
The System Effect
Why the Platform Matters
Each Ceto NOVA™ module delivers value within its own intelligence domain. The platform advantage emerges when those domains are brought together.
The Ceto NOVA™ platform reduces the friction created by disconnected insight. Market conditions, operational performance, vendor dynamics, and growth signals are evaluated in context rather than isolation, allowing leaders to understand tradeoffs, clarify priorities, and align decisions across the organization. The Lucira™ AI layer accelerates this process, helping leaders navigate the intelligence environment and move from data to decision faster and with greater confidence.
This is why many institutions begin with a single capability and expand over time. The Ceto NOVA™ platform is designed to meet institutions where they are and guide them toward a more complete and confident view of their organization.
Business Impact
Anchored in Financial Performance
The Ceto NOVA™ platform supports measurable improvements in financial performance by strengthening both sides of the efficiency ratio.
On the expense side, the Ceto NOVA™ platform helps institutions identify inefficiencies, optimize resources, and manage vendor costs with greater precision. On the income side, it supports smarter pricing, product design, and market positioning. The Lucira™ AI layer helps institutions act on this intelligence more quickly, accelerating the path from insight to financial impact and contributing to stronger long-term outcomes.
What's Next
Expanding the Intelligence System
The Ceto NOVA™ platform was architected as a modular intelligence system, designed to grow deliberately as institutions require deeper insight and greater decision clarity. Beyond its active intelligence domains, the platform is structured to expand in purposeful stages.
NOVA Atlas™
The NOVA Atlas™ module will extend market comprehension through geographic and demographic intelligence, helping institutions better understand competitive density, growth corridors, and untapped opportunity across their markets.
NOVA Vector™
NOVA Vector™ introduces predictive growth intelligence through specialized modeling capabilities.
Lucira™ continues to serve as the guidance layer across the NOVA intelligence platform, helping leaders interpret insights across domains.
The Analysts Behind the Intelligence
Strategic clarity starts with human insight.
The Ceto NOVA™ platform is not just technology. It is supported by a dedicated team of analysts, QA leads, and research professionals who bring institutional context to every data point.
This team supports the intelligence domains across the Ceto NOVA™ platform, including market insight through NOVA Vantage™, performance benchmarking via NOVA Pulse™, and vendor oversight enabled by NOVA Nexus™. Their work ensures that what institutions see in the Ceto NOVA™ platform is not just data, but decision-ready intelligence.
Every analyst is rigorously trained in Ceto’s proprietary methodology, which combines peer analytics with firsthand knowledge of today’s financial institution challenges. This human layer strengthens the platform by ensuring that insights are accurate, contextual, and actionable.
Take the Next Step
Revolutionize your bank or credit union's competitive intelligence and analytics capabilities. Contact us today for a free consultation and product demo.