Transform member signals into automated actions. The AI-powered decision-delivery layer that turns complex data into clear priorities for credit unions.

Meet SPECTRA

DATA EXISTS. DECISIONS DON’T SCALE.

our credit union already generates member intelligence every day: Your core system knows who stopped making deposits Your digital banking platform tracks declining logins Your loan origination system sees applications that stalled The problem? That intelligence sits in separate systems, waiting for someone to connect the dots and decide what to do. By the time your team manually reviews the data, scores the risk, and plans an intervention—the member is already gone. The hot lead has cooled. The cross-sell window has closed. SPECTRA closes the loop. Member signals → Recommended action → Orchestrated execution. One surface for sense, decide, and act.

Next-Step Readiness

Decision: What’s the next best step for this person?

Surface readiness for the next action—offer, benefit, service, appointment, or support—based on observed behavior.

What This Enables

Expand value responsibly

Better engagement quality

Avoid premature or irrelevant offers

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Early Risk Signals

Decision: Where are we at risk of losing momentum?

Detect early drops in engagement and process friction, before issues become escalations.

What This Enables

Earlier intervention

Prevent avoidable drop-off

Protect continuity and trust

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DATA EXISTS. DECISIONS DON’T SCALE.

Financial institutions have more data than ever and a growing opportunity to act on it. When insights are spread across systems and reports, decision‑making slows down and next‑best‑actions become inconsistent—especially in the moments that matter for customers.

Next-Step Readiness

Decision: What’s the next best step for this person?

Surface readiness for the next action—offer, benefit, service, appointment, or support—based on observed behavior.

What This Enables

Expand value responsibly

Better engagement quality

Avoid premature or irrelevant offers

Start a Conversation

Early Risk Signals

Decision: Where are we at risk of losing momentum?

Detect early drops in engagement and process friction, before issues become escalations.

What This Enables

Earlier intervention

Prevent avoidable drop-off

Protect continuity and trust

Start a Conversation

DATA EXISTS. DECISIONS DON’T SCALE.

Next-Step Readiness

Decision: What’s the next best step for this person?

Surface readiness for the next action—offer, benefit, service, appointment, or support—based on observed behavior.

What This Enables

Expand value responsibly

Better engagement quality

Avoid premature or irrelevant offers

Start a Conversation

Three repeatable decision moments—so teams act with clarity, not guesswork.

What SPECTRA Helps You Decide

SPECTRA focuses on the everyday decisions that move the needle for growth, loyalty, and profitability.

Lead Optimization

Identify which prospects and members are most likely to convert, and route them to the proper channels with the right offers—so your teams spend time where impact is highest.

Churn Prevention

Surface early risk signals across products and channels, then orchestrate timely outreach and tailored offers that keep customers active, engaged, and retained.

Cross-Sell

Detect life events and financial milestones as they happen and present context‑aware next-products that deepen relationships without feeling like generic promotions.

These are not reports. They are ranked decisions.

How we work

Strategic enough for transformation. Targeted enough to ship decisions in weeks.

We work through short, focused engagements designed to solve one decision problem within a lifecycle journey. Each engagement applies our decision framework to your real data and delivers clear, prioritized actions your teams can use immediately.

Discover

Map the decision points that matter most—growth, retention, risk—and align them with your existing data, channels, and teams. The outcome is a prioritized decision blueprint, not a generic roadmap.

Design

Configure SPECTRA on top of your current cores, CRMs, and marketing platforms, turning fragmented data into decision‑ready intelligence without ripping and replacing your stack.

Deliver

Orchestrate decisions into frontline tools and customer journeys, then measure lift on leading and lagging indicators so every iteration compounds value over time.

What the Engagement Includes

Duration: 4–6 weeks

Scope: One lifecycle journey

Focus: One decision problem

Structure: Fixed scope, fixed fee

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SPECTRA is built on a layered architecture that connects perception, transformation, and orchestration into one decision‑delivery system. It embodies a simple philosophy: solve small, solve deep—start with focused, high‑value decisions, then scale across products, segments, and channels as results compound.

OUR APPROACH

SECURITY, PRIVACY & COMPLIANCE

SPECTRA is designed for regulated environments, with strict data segregation, encryption in transit and at rest, and auditable decision flows. Deployment models align with banking and credit‑union security expectations, and integrate with existing governance, risk, and compliance frameworks.

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OUR APPROACH

Where we’re headed.

SPECTRA is built for credit unions, community banks, and mission‑driven financial institutions that need enterprise‑grade intelligence without enterprise‑grade drag. The roadmap expands decision templates across more domains—from member growth to small‑business lending—so every team can tap into decision intelligence without starting from a blank page.

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About SigmaArc

SigmaArc builds decision intelligence systems that help financial institutions move from insight to impact, every day. The team combines data science, AI, and experience design to turn fragmented customer signals into clear, measurable decisions across the lifecycle. SPECTRA, SigmaArc’s decision‑delivery architecture, powers focused engagements that deliver growth, retention, and operational lift without ripping and replacing existing platforms.