Banking Advisor
nCino is redefining efficiency gains in banking with nCino Banking Advisor, powered by nIQ. Banking Advisor is a banking focused, Generative AI solution designed to deliver intelligence in the moments that matter most.
Cloud Banking Powered by nCino IQ (nIQ)
Through nIQ , nCino leverages AI, ML and analytics to deliver intelligent automation, data-driven insights, and industry benchmarks. By operationalizing data with nIQ, FIs can accelerate growth, improve efficiency, and deliver unique customer experiences.
The AI Revolution in Financial Services
AI is reshaping the banking landscape, introducing transformative technologies that simplify processes and enhance customer experiences. As the leader in cloud banking, nCino remains committed to spearheading industry innovation, and providing guidance and resources to help our partners seamlessly navigate a complex landscape.
Embracing the Power of Intelligent Automation
Improve accuracy and productivity
Expedite decisions and revenue growth
Automate routine tasks
Improve employee satisfaction
Exceed client expectations
Streamline processes and improve efficiency
Uncover Data-Driven Insights
Leverage your FI's data for strategic decisions
Discover powerful insights
Empower your employees
Improve agility
Identify, understand, and manage risk effectively
Improve Performance with Industry Benchmarks
Identify growth areas and boost performance
Utilize comprehensive data and analysis
Assess market position, identify trends, and develop key strategies
Identify operational improvements
Increase profitability and maximize return on investment
A Trusted Partner
nCino provides financial institutions with innovative technology that helps them meet the challenges of today and tomorrow, including predictive AI applications like Commercial Pricing and Profitability and Automated Spreading. As a trusted partner, nCino continues to develop solutions powered by nIQ that help financial institutions integrate predictive and generative AI capabilities when and where it matters most, across the banking lifecycle.
Explore nCino AI Resources
AI is rapidly changing the financial services industry. As AI is creating new value streams within banking, nCino is simplifying FI’s navigation through this transformative technology.
Learn More About Solutions Powered By nIQ
Continuous Credit Monitoring
Experience the revolution in credit risk management with nCino’s Continuous Credit Monitoring solution, powered by nIQ. Switch from a reactive to a proactive model that enhances efficiency through intelligent automation across the entire credit lifecycle.
Automated Spreading
nCino's Automated Spreading Solution, powered by nIQ, reduces the time it takes to spread financials, enabling portfolio growth by improving the speed and quality of credit decisions.
Commercial Pricing & Profitability
Powered by nIQ, nCino's Commercial Pricing & Profitability helps your financial institution optimize pricing and profitability, while strategically deploying capital.
Portfolio Analytics
Identify, measure, and monitor loan, deposit, and application data to help your institution make efficient data-driven decisions, reduce risk, and meet regulatory and compliance requirements with nCino's Portfolio Analytics solution.
Read More About nIQ
Why Explainable AI is the Future of Lending
The introduction of Apple’s transformative product in 2007 was a moment that changed the future. Like the now iconic iPhone, the launch of generative AI tools like ChatGPT and Google Bard have captured the public’s imagination, launching an explosion of applications and experiments across nearly every industry, from business and commerce, to art and government.
For many of these use cases, the “how” behind the AI model isn’t particularly relevant. If you ask ChatGPT to compose a wedding invitation in the form of a Shakespearean sonnet, you don’t necessarily need to understand how AI can instantly conjure the right rhyme scheme.
A wedding invitation is one thing; a financial institution’s credit lending decision is quite another. When it comes to such high stakes decisions, understanding the inner workings of the model is vitally important—even required. For those use cases, explainable AI is the solution.
Beyond ChatGPT: Leveraging the Power of AI
Amazement. Excitement. Controversy. Fear.By now, you’ve probably heard of ChatGPT, the revolutionary artificial intelligence (AI) technology that has stunned the world in 2023. Perhaps you’ve even tried out the free version of this powerful tool to draft an email to your boss or write a poem about your pet.
As exciting as generative AI applications like ChatGPT are, they’ve also triggered fear and uncertainty across many spheres, from education, where many school districts have banned students from using AI to write their term papers, to the financial services industry, where major banks like JPMorgan Chase, Bank of America and Wells Fargo have prohibited their employees from using AI for corporate communications, citing compliance concerns. Meanwhile, other financial institutions, such as Goldman Sachs, are experimenting with generative AI tools internally to help write and test code, which has some developers worried about their roles.
While conversational AI tools like ChatGPT, Jasper and Google Bard have suddenly captured the public’s imagination, the underlying technology is not new. And it’s certainly not the only—or best—use case for generative AI in banking.
Automation vs. Personalization: Striking the Right Balance
As financial institutions (FIs) face the current macroeconomic landscape and an impending global recession, they are beginning to feel the impact on their budgets. As a result, many banks are redirecting their spend towards projects with faster time to value that improve operational efficiency and help control costs.For lenders, this also means navigating increased risk and higher chances of loan defaults, not to mention new competition threatening their market share, all while continuing to create personalized experiences, winning customers, mitigating risk and managing compliance. That’s no easy feat.
How nCino Helps Community Banks Deliver on Their Mission
Community banks are facing challenges from larger banks and changing consumer preferences. nCino can help them address these challenges by providing a digital platform that streamlines operations and improves customer service.By providing essential banking services in small towns and rural communities, community banks play a crucial role in the operation of the U.S. financial system and overall economy. While every community bank is different, they all have at least one thing in common: the need to streamline and standardize current processes, increase efficiency and find innovative ways to better serve their customers and communities.
Natixis Corporate & Investment Banking Partners with nCino to Expand its Digital Capabilities in its Financing Activities
Natixis CIB is partnering with nCino to streamline and automate several legacy processes. With solutions like Automated Spreading, nCino IQ (nIQ) and the Corporate Banking Solution, Natixis CIB will strengthen competitiveness and provide enhanced services to its clients.
nCino and Zest AI Create Strategic Partnership to Bring More Efficiency to Financial Services Through AI-Automated Underwriting
Partnership seeks to harness the power of artificial intelligence (AI) to produce faster and more equitable lending decisions with better risk assessment for financial institutions of all sizes.
nCino Expands nCino IQ Offerings Through Partnership with Rich Data Co.
Partnership with AI decisioning platform to provide deeper insight and more confident lending through a single platform.WILMINGTON, N.C., February 7, 2023 — nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking and digital transformation solutions for the global financial services industry, today announced a value-added reseller agreement with Rich Data Co (RDC), an industry leading artificial intelligence (AI) decisioning platform, to enhance the lending process for its customers. The combined value delivered by this partnership will equip financial institutions with deeper insights into their clients’ business and improve, streamline and further automate workflow and monitoring, creating significant value and efficiencies in small business and commercial lending.
nCino will integrate RDC’s decisioning capabilities into the nCino Bank Operating System® to enhance nCino’s Commercial Banking and Small Business Banking solutions with ground-breaking AI and machine learning techniques. This will simplify the traditional credit technology landscape and empower transparent and explainable decision-making driving revenue and efficiency for nCino’s customers. The partnership with RDC will expand the use cases for nCino IQ (nIQ®), which leverages intelligence and machine learning to transform data into information and actionable insights, empowering financial institutions to focus on key-value add activities and make better business decisions.
“The combination of AI, data and digital customer experience enables banks to more efficiently, accurately and holistically assess the health of a customer’s business, enabling lenders to have better visibility and control of their existing and new credit for the entire business lending portfolio,” said Gordon Campbell, Chief Product Officer at RDC.
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