A banking intelligence platform for financial institutions.
See what is driving performance across market conditions, operations, vendor strategy, and growth.
The Ceto NOVA™ platform brings this intelligence together in a single decision environment so financial institutions can act with clarity and confidence.
Trusted by 2,000+ financial institutions across community banks and credit unions over 30+ years
How it works
The Ceto NOVA™ platform is a modular banking intelligence platform for financial institutions. Each intelligence domain focuses on a distinct area of performance, including market intelligence, operational performance, vendor strategy, and growth.
Most institutions have data across these areas. The challenge is not access—it is connecting information in a way that helps leaders see what matters, understand where performance is breaking down, and determine where to act first.
With a connected view across domains, financial leaders can evaluate performance, vendor relationships, and growth opportunities side by side within a shared decision environment.
The Lucira™ AI layer guides interpretation across domains, helping leaders move from fragmented visibility to clear priorities and confident action.
Lucira™ AI
Interprets intelligence across domains and helps leaders move from fragmented visibility to clear priorities and confident action.
NOVA Vantage™
Market & pricing intelligence. See where rates, fees, and product position are breaking down.
NOVA Pulse™
Performance intelligence. Identify inefficiencies and track operational progress over time.
NOVA Nexus™
Contract intelligence. Control cost exposure, reduce risk, and improve vendor accountability.
NOVA Atlas™
Market intelligence. Understand where growth is forming across markets and communities.
NOVA Vector™
Distinct from the core intelligence modules, Vector introduces predictive growth intelligence to anticipate opportunity and prioritize where to act first.
NOVA Vantage™
See where pricing, product alignment, and market position are breaking down.
Most institutions rely on partial competitive data and delayed reporting. The challenge is understanding how pricing, fees, and product positioning compare in real time.
Vantage helps leaders identify pricing gaps, evaluate market position, and uncover revenue opportunities with greater clarity.
- Competitive rate, fee, and product comparisons
- Tier-specific intelligence for more precise evaluation
- Market and peer visibility into pricing gaps
- Fee evaluation to surface revenue opportunities
- Product gap analysis for growth strategy
Deposit and lending products · CDs · mortgages · home equity · credit cards · FI-specific rates
Complete product views · robust fee schedules · business and treasury pricing · loan fees · card and ATM fees
Holistic product design comparisons · allowances · discounts · waivers · perks
NOVA Pulse™
Understand where operational performance is lagging and where to act first.
Performance data often exists across teams but lacks alignment. Leaders spend time gathering information without a clear view of what is driving results.
Pulse brings performance intelligence into a continuous environment, helping identify inefficiencies, prioritize improvements, and track progress over time.
- Department-level KPI tracking with benchmarking
- Visibility across operational and financial metrics
- Identification of inefficiencies and performance gaps
- Performance snapshots aligned to institutional cadence
- Executive visibility into cost and productivity trends
- 25th / 50th / 75th percentile peer comparisons
- Historical quarterly performance data
Retail banking · consumer lending · mortgage · commercial · cards · payments
Call center · deposit ops · digital banking · loan servicing · collections
IT · enterprise risk · accounting · administration · marketing · HR
NOVA Nexus™
Bring vendor cost, contract risk, and performance into clear view.
Vendor data is often fragmented across systems, contracts are difficult to track, and renewal risk is missed until it is too late.
Nexus centralizes contract intelligence and vendor oversight, helping institutions control cost exposure, reduce risk, and improve accountability.
- Centralized contract repository
- Renewal, expiration, and deadline visibility
- Identification of hidden fees and contract risk
- Vendor performance oversight and scorecards
- Spend visibility with audit trails
- Cross-institution contract benchmarking
- Negotiation history and hidden fee identification
Centralized repository · AI-powered uploads · key terms search · lifecycle management
Risk scoring · due diligence · performance dashboards · audit trails
Invoice tracking · renewal alerts · pricing visibility · compliance monitoring
NOVA Atlas™
Understand where growth is forming across markets and communities.
Market opportunity is often evaluated with incomplete geographic and demographic context. The result is missed growth and misaligned expansion decisions.
Atlas extends intelligence into geographic and demographic insight, helping leaders evaluate competitive density, growth corridors, and underserved opportunity areas.
- Geographic intelligence for market evaluation
- Demographic insight for growth planning
- Competitive density and market context
- Identification of growth corridors and opportunity
- Location-based intelligence tied to strategy
- CRA and regulatory compliance mapping
- Branch site selection with multi-layer analysis
Branch footprint · competitor mapping · all banks and credit unions by asset size
Population trends · projections · business market overlays · multi-layer analysis
Site selection · expansion opportunities · saved scenarios · custom reports
NOVA Vector™
Anticipate opportunity and prioritize where growth is most likely to occur.
Most institutions understand current performance but lack a clear view of where growth will emerge next.
Vector introduces predictive intelligence to help identify high-potential opportunities, prioritize action, and support acquisition strategies. Powered by Vertice AI.
- Predictive growth modeling
- Personalization and wallet share insight
- Opportunity signals for acquisition strategy
- Prioritization of high-impact growth areas
- Identify relationships most likely to convert or churn
- Connect campaign performance to growth outcomes
Expanding the intelligence system
Designed to evolve with your institution
The Ceto NOVA™ platform is built as a modular intelligence system that expands as financial institutions require deeper insight and greater decision clarity. As capabilities are introduced, the system becomes more connected, more intelligent, and more actionable over time.
NOVA Atlas™
Extends market intelligence through geographic and demographic insight, helping institutions understand competitive density, growth corridors, and untapped opportunity across their markets.
NOVA Vector™
Introduces predictive growth intelligence to anticipate opportunity, prioritize action, and drive acquisition with greater precision. Powered by Vertice AI.
Lucira™ AI operates as the guidance layer across the NOVA intelligence environment—interpreting signals across domains and helping leaders move from fragmented visibility to clear priorities and confident action.
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 works across the intelligence domains—market, performance, and vendor strategy—ensuring that what leaders see is not just data, but decision-ready intelligence.
Each analyst is trained in Ceto’s proprietary methodology, combining peer analytics with firsthand understanding of today’s financial institution challenges. This human layer strengthens the system by ensuring insights are accurate, contextual, and actionable.
Start with understanding your performance.
A focused conversation to identify where performance gaps may exist across cost, operations, and revenue—and where to act first.