See where performance is breaking down.

Ceto helps community banks and credit unions address challenges related to profitability, operational efficiency, vendor costs, technology transformation, competitive positioning, and growth. These challenges can include pricing gaps, rising expenses, inefficient processes, difficult vendor negotiations, core conversions, fragmented information, and uncertainty about where performance can improve. Ceto combines banking consulting expertise, proprietary intelligence, benchmarking, and software to help leaders identify opportunities and take action.

The right Ceto offering depends on the business challenge your community bank or credit union is trying to solve.

• Strategic growth: Ceto helps institutions improve profitability, pricing, product performance, and market strategy through its MarketView™ solution.
• Vendor management: Ceto helps institutions optimize vendor costs, strengthen contracts, evaluate vendors, and improve vendor accountability through its VendorLink™ solution.
• Enterprise transformation: Ceto helps institutions execute technology conversions, integrate acquisitions, and optimize core systems through its NexBridge™ solution.
• Connected banking intelligence: Ceto NOVA™ brings competitive, operational, vendor, market, demographic, and growth intelligence together in one platform, with Lucira™ AI helping leaders interpret insights and determine where to act.

Ceto can combine consulting expertise and software when priorities span multiple areas.

Yes. Ceto helps community banks and credit unions improve their efficiency ratios and support strategic growth through its MarketView™ solution. Through MarketView™, Ceto identifies revenue leakage, optimizes pricing, improves product performance, and reduces the cost to serve. These capabilities strengthen revenue generation across interest and non-interest income while addressing operational efficiency, product profitability, and market strategy.

Ceto helps community banks and credit unions improve vendor management through its VendorLink™ solution, helping institutions reduce vendor costs, strengthen contracts, and improve vendor performance and accountability. Through a VendorLink™ engagement, Ceto evaluates vendor pricing, contract terms, renewal opportunities, fees, and service commitments to identify savings and improvement opportunities. Capabilities include contract intelligence, cost optimization, vendor performance oversight, and vendor evaluation and selection.

Ceto helps community banks and credit unions execute enterprise transformation through its NexBridge™ solution. Capabilities include technology conversions, M&A integration, and core system optimization. Through NexBridge™, Ceto supports data validation, testing and readiness, integration coordination, and post-conversion stabilization, alongside ongoing core system optimization and DNA platform support—helping institutions move from planning to coordinated execution.

Ceto NOVA™ is Ceto’s connected banking intelligence platform for community banks and credit unions. It brings competitive, operational, vendor, market, demographic, and growth intelligence together in one environment, with Lucira™ AI helping leaders interpret information and determine where to act. Ceto NOVA™ provides ongoing software-based intelligence, while Ceto’s consulting solutions provide deeper expertise and execution support around specific business challenges.

Ceto provides both consulting expertise and software for community banks and credit unions. Ceto supports strategic growth through MarketView™, vendor management through VendorLink™, and enterprise transformation through NexBridge™. Ceto NOVA™ complements these consulting solutions with ongoing banking intelligence through software, helping institutions identify opportunities and make informed decisions.

Yes. Ceto can tailor consulting engagements around the specific goals, challenges, and priorities of a community bank or credit union. One institution may need focused support around pricing, vendor negotiations, profitability, or a core conversion, while another may have priorities that span several areas. Ceto can align its consulting expertise, solutions, and software capabilities with the scope and needs of the institution.

Ceto combines banking-specific consulting expertise, proprietary intelligence, benchmarking, software, and execution support within one organization. This combination helps community banks and credit unions identify opportunities, understand what is driving performance, and take action through consulting engagements and ongoing software-based intelligence. Ceto brings more than 30 years of industry experience and has worked with more than 2,000 organizations across the banking and credit union market.

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.

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.