Data & Analytics for Banks, Credit Unions & Healthcare
Turn siloed data into decisions you can defend
Most institutions sit on years of deposit, lending, payments, and member data spread across systems that do not talk to each other. ACM unifies it into a governed, real-time foundation your teams can actually use.
Your data is everywhere except where you need it
Core, loan origination, card processing, digital banking, and CRM each hold a piece of the picture. Pulling them together usually means manual exports, stale reports, and decisions made on numbers nobody fully trusts.
ACM replaces that with a single, governed data foundation. We ingest from your existing systems, reconcile it, and make it queryable in near real time, so the same trusted figures power your board pack, your lending desk, and your regulatory filings. No rip-and-replace required: this layer sits on top of the core you already run.
- One source of truth: deposits, lending, payments, and member activity reconciled into a consistent model.
- Real-time, not overnight: streaming pipelines keep dashboards and risk views current instead of a day behind.
- Self-service for the people who need it: finance, risk, and line-of-business teams get governed access without filing a ticket for every report.
A complete data and analytics layer
From ingestion to insight, built for the scrutiny regulated institutions face.
Unified data foundation
Ingest and reconcile data from core, lending, cards, and digital channels into one governed model you own and can audit.
Real-time reporting
Live dashboards for deposits, loan performance, liquidity, and member behavior, refreshed continuously rather than in nightly batches.
Predictive analytics
Forward-looking models for credit risk, deposit attrition, and growth, so teams act on what is likely to happen, not only what already did.
Lending intelligence
Portfolio, pricing, and pipeline analytics that feed directly into faster, better-informed credit decisions.
Data governance
Role-based access, lineage, and audit trails built in, designed to be examiner-ready and compliance-ready from day one.
Post-quantum security
Sensitive financial records protected with post-quantum cryptography to guard against harvest-now, decrypt-later exposure.
From raw data to working insight, fast
Our Agile Speed Framework gets a usable analytics layer in front of your teams quickly, then refines it with their feedback instead of disappearing into a multi-year build.
- Connect: map and ingest your existing core, lending, payments, and channel data without disrupting operations.
- Reconcile: build a governed model with clear lineage so every number traces back to its source.
- Activate: stand up dashboards, predictive models, and self-service access for the teams who need them.
- Refine: iterate on real usage, extending coverage into risk, treasury, and lending over time.
The result is client-owned and white-label: the data foundation, the models, and the dashboards are yours to brand and build on. When you are ready to apply that intelligence directly to credit decisions, it connects straight into lending modernization, and the underlying models draw on our AI and data capability.
Connects to the systems your data already lives in
The data foundation reads from the core, lending, card, and channel platforms you run today and pushes governed results back out to the tools your teams already use, so analytics is not another island.
Inbound connectors
Pre-built ingestion for major cores, loan origination, card processors, digital banking, and CRM, with REST and SFTP fallbacks for systems that expose only file or batch interfaces.
Change data capture
Streaming CDC keeps deposit, loan, and transaction tables current to the minute, with scheduled batch reconciliation for ledgers that settle overnight.
Open query access
The governed model is reachable over standard SQL and an open API, so your existing BI tools, examiner extracts, and warehouse exports run against one reconciled source.
Reverse activation
Risk scores, attrition flags, and segment lists feed back into your core, lending, and marketing systems instead of staying trapped in a dashboard.
- Field-level governance: column masking and row policies tie every query to a role, so a lending analyst and an examiner see only what their access permits.
- Schema-stable contracts: versioned data contracts mean a core upgrade or new card processor is a connector change, not a rebuild of every downstream report.
Ready to put your data to work?
Tell us where your data lives today and what you wish you could see. We will map a path to a governed, real-time analytics foundation built around your institution.
Talk to ACMFrequently asked questions
Do we have to replace our core banking system to use ACM's data and analytics?
No. ACM's data foundation sits on top of the core and systems you already run. We ingest and reconcile data from your existing core, lending, payments, and digital channels rather than requiring a rip-and-replace migration.
How is the analytics layer kept secure and compliant?
It is built regulated-first with role-based access, full data lineage, and audit trails designed to be examiner-ready. Sensitive financial records are protected with post-quantum cryptography to guard against harvest-now, decrypt-later exposure.
Who owns the data foundation and dashboards ACM builds?
You do. Everything is client-owned and white-label. The governed data model, the predictive models, and the dashboards are yours to brand, extend, and operate.
How quickly can we see results?
ACM uses its Agile Speed Framework to get a usable analytics layer in front of your teams early, then refines it based on real usage instead of waiting for a single large delivery at the end of a multi-year project.