Consumer Loan Origination System
Whether applying in a branch or online, your customers receive personalized service and greater transparency into their loan process with nCino’s Consumer Loan Origination System.
Elevating the Client Experience with Frictionless Credit and Non-Credit Onboarding
By leveraging nCino’s Cloud Banking Platform, organizations can originate and onboard credit and non-credit products from a single platform quickly and conveniently to maintain a competitive position in an ever-evolving financial landscape.
Grow, Differentiate, and Diversify Your Institution
With nCino, your financial institution can utilize automation and centralized data to provide better onboarding and origination experiences across product lines to grow customers relationships and diversify sources of capital.
Serve customers credit and non-credit needs within a single platform
Automate and streamline processes to improve speed and efficiency
Centralize data to eliminate manual re-entry and enable a 360-degree view of the customer
Increase transparency for customers and employees
Differentiate your FI with a connected and consistent customer experience
Increase your FI’s resiliency and stability through the growth and diversification of capital sources
Enhance Your Credit Onboarding Experience with Automation and Intelligence
nCino equips financial institutions with an automated and intelligent loan onboarding process to accelerate revenue growth, improve operational efficiency, and support the growth of client relationships.
Arrow Financial Corporation Spotlight
This spotlight highlights Marc Yrsha, EVP and Director of Relationship Banking at Arrow Financial Corporation. Marc shares how the community bank swiftly implemented nCino’s DAO solution to expand into new markets and expand their relationship banking philosophy.
Download the Arrow Spotlight
See Personalization in Action
5 Things to Consider When Choosing a Digital Mortgage Vendor
Choosing the right digital mortgage vendor can feel daunting. Mortgage lenders must consider not only their own business needs, but also federal regulations that impact how they manage and access their borrowers’ data. In an increasingly tech-heavy mortgage environment, lenders are navigating new digital solutions to fix old problems.
How Digitizing the Closing Process Can Benefit Your Bottom Line in 2023
With 2023 underway, savvy lenders are looking for mortgage tech that will help them navigate the economic headwinds this year is slated to bring. Efficiency, cost savings, and better collaboration are top of mind for many lenders. But which part of the mortgage journey can they digitize?
De-Risking Your Mortgage Transformation
The COVID-19 pandemic highlighted previously unaddressed issues in the mortgage landscape and put pressure on lenders to quickly update their systems to meet the challenge.More recently, in response to interest rate uncertainty we’ve seen record amounts of mortgage products being removed from the market in the UK, more than during the pandemic. Digital transformation is no longer a ‘nice to have’, but a necessity to better respond to changes in demand and adapt to an evolving market. With many lenders now looking to, or having already started to, digitally transform their lending operations, it’s time to discuss the ways in which they can de-risk the re-platforming process.
“The current climate proves once again why lenders need to ensure they have built in agility across core technology stacks to facilitate rapid responses to market changes,” said Will Stevns, Partner, Customer Led Transformation in Banking, PwC.
Deliver Convenient and Connected Non-Credit Onboarding Experiences
nCino helps financial institutions deepen client relationships and expand income sources with powerful onboarding tools that support the successful cross-sale of non-credit product lines.
Discover Digital Connection & Onboarding
Consumer Deposit Account Opening
Open accounts anywhere, anytime, on any digital device in three minutes or less with nCino's Deposit Account Opening Solution.
How FIs Can Scale Business Deposits & Reduce Business Onboarding Time
In 2021, the number of small businesses in the United States reached 32.5 million, making up 99.9% of total US businesses. In other words, there’s nothing “small” about small businesses.
However, the small business banking experience can be fragmented and often requires in-person interactions for simple banking needs, such as opening an account. nCino is excited to make the first step in the small business banking experience even easier with our Business Deposit Account Opening solution.
nCino’s Business Deposit Account Opening Solution enhances the small business experience by meeting the expectations of small business owners while solving the main issues businesses and financial institutions (FIs) face in the account opening process. These challenges include:
Fast and Frictionless: Deposit Account Opening with nCino and Plaid
Today’s consumers no longer compare banks solely with other banks. Instead, they’re weighing the convenience, speed, and personalization of their financial institution against the service they receive from companies such as Netflix, Uber, and Amazon. And in many cases, traditional banks limited by cumbersome manual processes simply can’t keep up.This is perhaps most apparent in the deposit account opening process, where asking a customer to enter sensitive financial information and then wait up to three days to verify micro-deposits can feel slow, frustrating and full of friction.
In fact, research has quantified just how important a quick account opening experience is:
How Busey Bank Leveraged nCino to Transform Processes
Busey Bank, a highly adaptive institution consistently named by American Banker as one of the best banks to work for, is paving the way for growth and innovation through its use of the nCinoBank Operating System. Busey Bank implemented nCino across its Commercial line of business and later extended its use of the nCino platform into the Treasury Management Sales & Onboarding Solution.
In this snapshot, discover how Busy Bank leveraged nCino to transition from manual, email-heavy processes to a single, streamlined, digital cloud-based platform, which also allows the institution to more easily scale via mergers and acquisitions.
Efficiency and Streamlined Processes
A cloud banking platform can provide specialized software or platforms designed specifically for credit and non-credit onboardings. These tools automate and streamline the onboarding processes, reducing manual effort, paperwork, and time required for completing transactions. It enables financial institutions to handle a higher volume of onboardings efficiently, improving operational efficiency and reducing costs.
Compliance and Risk Management
Financial institutions operate in a highly regulated environment, with specific requirements and standards for credit and non-credit onboardings. A technology vendor that specializes in this area can provide systems and solutions that incorporate regulatory compliance features.
This helps institutions ensure that their onboarding processes adhere to legal and industry guidelines, minimizing the risk of non-compliance and potential penalties.
Enhanced Data Security
Credit and non-credit onboardings involve handling sensitive customer information, including personal and financial data. A reliable technology vendor can offer robust data security measures, including encryption, secure storage, access controls, and monitoring tools.
This helps protect customer information from unauthorized access, data breaches, and fraud, ensuring data privacy, and maintaining customer trust.
Scalability and Flexibility
As financial institutions grow and evolve, they need scalable solutions that can handle increasing onboarding volumes and changing business requirements. A technology vendor provides the infrastructure, software, and support necessary to scale onboarding operations efficiently.
They can also offer customization options to adapt the onboarding processes to the institution's unique needs, ensuring flexibility and agility in responding to market demands.
Innovation and Competitive Advantage
Technology vendors are at the forefront of innovation in the financial industry. By partnering with a vendor, financial institutions can leverage their expertise and access to cutting-edge technologies.
This allows institutions to stay competitive by offering advanced onboarding capabilities, personalized customer experiences, and innovative products or services that differentiate them from competitors.
With nCino, we are better able to serve our business members by providing them a ‘one stop shop.’ [...] They can open a membership and apply for a loan all in one go.
Lance Hatzenbeller
SVP of Commercial Services, Idaho Central Credit Union
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See nCino in action and learn how the pioneer in cloud banking can help transform your financial institution.
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