A banking intelligence platform for financial institutions.

Ceto NOVA™ is a connected banking intelligence platform built for community banks and credit unions. It brings competitive, operational, vendor, market, demographic, and growth data and insights into one environment so leaderscan understand performance, identify opportunities, and decide where to act.

The platform includes NOVA Vantage™ for competitive pricing intelligence, NOVA Pulse™ for operational benchmarking, NOVA Nexus™ for vendor and contract insights, NOVA Atlas™ for market and demographic insights, NOVA Vector™ for predictive growth signals, and Lucira™ AI to help leaders interpret and act on the data.

Ceto NOVA™ brings multiple areas of banking data and analysis into a single platform, eliminating the need for leaders to work across separate reports, spreadsheets, and point solutions. Its capabilities span competitive pricing, operations, vendors and contracts, market and demographic intelligence, predictive growth signals, and AI-powered guidance.
Community banks and credit unions can use the broader Ceto NOVA™ platform or focus on the capabilities that are most relevant to their current priorities. For more complex or customized needs, Ceto can help determine the right platform configuration and approach.

Ceto NOVA™ helps leaders address challenges caused by fragmented information, limited visibility, and disconnected decision-making. The platform connects data and insights across pricing, operations, vendors, contracts, markets, demographics, and growth so leaders can identify performance gaps and prioritize where action may have the greatest impact.

NOVA Vantage™, NOVA Pulse™, NOVA Nexus™, NOVA Atlas™, NOVA Vector™, and Lucira™ AI work together within Ceto NOVA™ to give leaders a more connected view of the business.

Banking intelligence helps leaders identify where costs may be out of alignment with performance, benchmarks, or business priorities. Within Ceto NOVA™, NOVA Pulse™ provides operational benchmarking while NOVA Nexus™ gives leaders greater visibility into vendor costs, contracts, fees, and renewal obligations.
Together, these capabilities help community banks and credit unions move from a broad concern that “costs are too high” to identifying the departments, vendors, contracts, or expense areas that may deserve attention.

Better pricing decisions require current competitive intelligence across rates, fees, products, and market positioning. Through NOVA Vantage™, Ceto NOVA™ helps community banks and credit unions understand how their pricing compares with competitors and where potential gaps or opportunities may exist. Leaders can then evaluate pricing alongside operational, market, vendor, and growth considerations rather than making pricing decisions in isolation.

A clearer competitive view helps leaders see where their organization may be gaining or losing ground across pricing, products, markets, and positioning.

Ceto NOVA™ combines NOVA Vantage™ pricing analysis with NOVA Atlas™ market and demographic data so leaders can understand both what competitors are doing and how the underlying market is changing.

That broader context can support decisions around pricing, investment, product strategy, and growth.

Vendor intelligence gives community banks and credit unions greater visibility into vendor relationships, contract terms, costs, renewal dates, and obligations. NOVA Nexus™ brings that information into Ceto NOVA™ so leaders can identify potential cost exposure, prepare earlier for renewals and negotiations, and make more informed vendor and technology decisions.
With contract visibility alongside operational and performance data, leaders can better understand how vendor decisions affect the broader business.

AI-powered analysis can help leaders interpret complex information faster, connect related signals, and identify what may deserve attention. Lucira™ AI is embedded within Ceto NOVA™ and works across competitive, operational, vendor, market, and growth data.
Rather than operating as another disconnected general-purpose AI tool, Lucira™ AI helps community bank and credit union leaders understand what their data means and move more efficiently from analysis toward action.

Separate dashboards typically show what happened within one system or business function, while a connected banking intelligence platform helps leaders understand how different areas of the business relate to one another.

Ceto NOVA™ brings together NOVA Vantage™, NOVA Pulse™, NOVA Nexus™, NOVA Atlas™, NOVA Vector™, Lucira™ AI, and Ceto’s consulting expertise in one environment.

The goal is to help leaders answer not only “What happened?” but also “What should we focus on next?”

Ceto NOVA™ is designed as a connected platform, but community banks and credit unions can align their use of the platform to the business priorities they need to address. Some organizations may benefit from broader access across competitive, operational, vendor, market, and growth capabilities, while others may initially focus on specific areas such as pricing, vendor management, or operational performance.
Ceto can also work with leadership teams to determine the right configuration for more specialized or complex needs.

Lucira™ AI works only within your institution's Ceto NOVA™ environment and the data your team is licensed to access. Client data is not used to train AI models, and no data is retained at the model layer after a response is generated.
Lucira™ AI is model-agnostic, allowing Ceto to select and update the underlying models as the technology evolves without changing how client data is handled.

Ceto NOVA™ runs on Microsoft Azure, and client data resides within Azure's cloud infrastructure, which maintains SOC 2 Type II and ISO/IEC 27001 certifications that Ceto's compliance posture builds upon. Data is encrypted in transit over HTTPS and at rest using 256-bit AES-GCM encryption, which Azure applies to all data, metadata, and backups and cannot be disabled.

Login and authentication are managed through Auth0 by Okta, and every action in the platform requires an authenticated user. Each institution's data is logically segregated through tenant isolation and cannot be accessed by any other client.

File uploads, edits, and deletions are logged, and institutions can remove files at any time or request permanent deletion from storage.

Competitive pricing data in NOVA Vantage™ is gathered and maintained by Ceto's research team, which monitors rates, fees, and product terms across the competitors each institution selects. Updates are made at your preferred cadence, and changes that affect competitive position trigger alerts within the platform.

Operational benchmarks in NOVA Pulse™ draw on Ceto's more than 30 years of engagements with community banks and credit unions, presented as peer segments rather than individual institutions.

NOVA Nexus™ reflects your institution's own vendor contracts and obligations, NOVA Atlas™ draws on established market and demographic data sources, and NOVA Vector™ applies predictive models across combined market and growth data.

Ceto NOVA™ requires no installation or on-premise infrastructure. Ceto handles hosting, configuration, and onboarding, and works with your team to load the information each module requires, such as your competitor set for NOVA Vantage™, vendor contracts for NOVA Nexus™, and operational data for NOVA Pulse™.
Most institutions are up and running within a few weeks, with training and ongoing support provided by Ceto's client success team.

Ceto NOVA™ and Ceto's consulting practices are designed to work together. The platform gives leaders continuous visibility across competitive, operational, vendor, market, and growth data, while consulting engagements provide deeper analysis, project management, and hands-on execution when an opportunity warrants it.
Community banks and credit unions can use the platform on its own, engage Ceto for a specific initiative, or combine the two. Findings surfaced in Ceto NOVA™ often identifies where a consulting engagement will deliver the greatest return, and consulting findings are reflected back in the platform so progress can be tracked over time.

General-purpose AI tools know nothing about your institution, your competitors, or your market until someone gathers the data, formats it, and pastes it in. Lucira™ AI is built into Ceto NOVA™ and works directly with the data already in the platform. When a leader asks a question, Lucira identifies what is being asked, determines which data is relevant, retrieves it from the appropriate Ceto NOVA™ sources, and answers in plain language.

Every response is grounded in real platform data rather than the general knowledge of a public model. Lucira also applies the analytical methods Ceto has refined over more than 30 years of consulting engagements with more than 2,000 community banks and credit unions. Lucira interprets your data the way an experienced banking advisor would rather than the way a general assistant might.

Finally, Lucira operates entirely within Microsoft Azure, with all data access managed through secure, controlled connections to your institution's Ceto NOVA™ environment. Leaders get the speed of AI-assisted analysis without moving institutional data into a consumer tool or relying on an assistant that has no visibility into the business.