ORLANDO, Fla.— Velera said the three new data-focused offerings it unveiled at VeleraLIVE Wednesday were built in direct response to what credit unions have been telling the CUSO for years: they have data everywhere, but too often lack the ability to connect it, analyze it in real time and act on it quickly.
In comments to CUToday.info, Jeremiah Lotz, SVP of enterprise data & experience design at Velera, said the company built Intelligence Point, Atmos Exchange and its Marketing Engagement Platform around “a consistent theme we were hearing across the credit union community: data exists everywhere, but value is hard to unlock because insight, connectivity and activation are disconnected.”
Lotz said credit unions told Velera they were “spending too much time stitching together data from multiple sources just to answer basic questions,” while also “struggling with custom integrations that were expensive to build and harder to maintain,” and “seeing insights generated in one place but never operationalized or activated elsewhere.” ‘
He said that, instead of creating separate point solutions, Velera “intentionally designed these capabilities together through Stellaris and Atmos” so the offerings work as part of “a connected ecosystem.”
“Over the past several years, credit unions have invested heavily in digital banking, payments, fraud tools, CRM platforms and data warehouses,” Lotz said. “What hasn’t kept pace is the connective tissue between those systems or the ability to move data easily, analyze it in real time and act on it quickly within day-to-day workflows.”
Lotz said several pressures shaped the timing of the launch, including “rising member expectations” for more personalized and timely experiences, “increased operational complexity” as credit unions manage more vendors and compliance obligations, and “the need for smarter, faster decision making” across fraud, risk, lending and marketing.
He added that “AI readiness is becoming a priority,” but said credit unions increasingly want “a trusted, governed data foundation that allows AI to be applied responsibly and effectively,” not just standalone AI features.
As an example, Lotz said a credit union could use Intelligence Point to identify members showing early signs of financial stress or changing spending behavior, then feed that insight directly into the Marketing Engagement Platform to trigger “a targeted, multi-channel outreach, such as tailored offers or proactive service messages, without manual handoffs or data exports.” ‘
Lotz said that means “more relevant member interactions, higher engagement and stronger trust, delivered faster and with fewer resources.”
He added that Atmos Exchange is designed to let a credit union connect to a new fintech or digital banking partner “using standardized APIs instead of custom point to point integrations,” allowing data to flow more consistently into analytics and operational systems. The benefit, he said, is “reduced integration time, lower long-term maintenance costs and greater flexibility to adopt new capabilities as needs evolve.”