The 2025 banking landscape is already evolving faster than ever, thanks to rapid technological advancements, shifting customer expectations, and uncertain economic conditions. To stay competitive, forward-thinking financial institutions must not only keep up, but also anticipate what's next.

This November, nCino hosted its annual APAC Summit in Sydney, Australia, an event dedicated to showcasing the latest technology and insights in banking. The Summit featured leading industry experts and nCino executives with valuable insights into how financial institutions are harnessing intelligence to enhance personalized and efficient banking experiences. Here are the four key themes shared at this year’s Innovation Summit:

As we look towards 2025, many analysts and industry experts are sharing observations on the current state of artificial intelligence (AI) and their predictions for the future. As AI use cases continue to evolve across industries, it’s critical for financial institutions (FIs) to evaluate their own AI journeys. Are they ahead of, in step with, or falling behind their competitors?

•  Total Revenues of $138.8M, up 14% year-over-year
•  Subscription Revenues of $119.9M, up 14% year-over-year
•  GAAP Operating Margin of (1)%, up ~1,000 basis points year-over-year
•  Non-GAAP Operating Margin of 20%, up ~350 basis points year-over-year

nCino is proud to share our FY24 Environmental, Social, and Governance (ESG) report. This report shares our progress toward building a sustainable business and our dedication to responsible practices in line with our mission.

In a world where the financial industry continues to evolve rapidly, financial institutions need to do the same. One way to maintain your edge is by embracing a balance of automation and augmentation. This approach enhances operational efficiency, optimizes risk management, and revolutionizes the experience for both banker and client.

Founded in 1949 in Wisconsin, Marine Credit Union (MCU) has grown to serve over 76,000 members across Wisconsin, Minnesota, Iowa, and Illinois. With a steadfast commitment to the community, MCU strives to make financial fulfillment accessible to everyone. By guiding individuals from financial challenges to achieving ownership and giving back, MCU empowers its members to lead better lives.

In today’s financial landscape, digital transformation has become an essential priority for financial institutions (FIs), and credit risk management is no exception. Despite economic challenges, many banks are making significant investments in advanced technologies to fast-track their digital transformation. While cost pressures are considerable, the potential of technology to enhance automation and efficiency continues to drive these investments forward.