Welcome to the nCino Cloud Banking Platform

The nCino Cloud Banking Platform is a comprehensive, cloud-based solution that addresses challenges and promotes opportunities facing financial institutions (FIs) today.

nCino has supported hundreds of FIs on their modernization journeys by delivering a single platform for onboarding, origination, and account opening across multiple lines of business.

Implementing the nCino Cloud Banking Platform modernizes the customer and internal stakeholder experience with automation and intelligence across commercial, small business and consumer banking, and home lending. nCino helps institutions provide a personalized digital experience over the course of end-to-end financial journeys for personal and business clients.

As technology has evolved, so has the way customers bank and expect to interact with their financial institutions. With customers accessing and managing accounts and services from anywhere, at any time, their experience doesn't begin once they plan to make a transaction.

It begins at the research stage, as they factor in their budget, if they need a loan, if they want financial management advice, if they want or need to start a business or open a new account. They want their financial institution embedded into the process, helping make it as seamless and easy as possible, and when necessary, they want timely interactions and advice. FIs that can equip their organization and staff with the tools necessary to be partners at each step of their customers' journey in any financial situation are set up to thrive in a quickly evolving banking environment.

As processes become more connected and digital, a wealth of data is created and available. This creates a new challenge: using that data to deliver actionable insights. nCino IQ (nIQ) supercharges the nCino platform by leveraging machine learning and analytics to transform data into intelligence. nIQ uses optical character recognition technology to automate information gathering procedures, reducing manual entry and transforming data into direct business value.

By combining newly available data from digitization, comprehensive industry data, and machine learning models, nIQ calculates and delivers credit risk and profitability insights to the right banker at the right time. With nIQ, the nCino platform delivers the right insights to the right stakeholder at the point of decision production, ensuring optimized decision making and service. By embedding intelligence into each process and decision, nCino empowers FIs to accelerate revenue growth, improve operational efficiency, and build personalized powerful customer experiences.

Data is at the center of FI daily operations. The value within an institution's data is significant, but lingering analog processes and siloed data create limitations on the value FIs can realize. The challenge facing FIs today is unlocking the full value of data. FIs must be able to analyze data in real-time and deploy the knowledge it provides throughout the entire organization for product development, improvements to back-office operations, and enhancing personalized experiences.

Proper utilization of data drives growth and delivers the digital client experience required to grow relationships in the digital era. The nCino platform digitalizes documents and processes to increase transparency in data and creates an open ecosystem by operating as a data hub that connects with and interacts with the FI’s core banking data, CRM data, data lakes, customer financial data, third-party industry data, and APIs. This allows FIs to remove silos in their data and scale the application of data across the organization.