Harness the Power of Global Data, Proprietary Insights, and Real-Time Intelligence

Built on rigorous research, transparent findings, and real-world impact, nRI is a trusted resource for decision-makers looking to stay ahead of industry shifts.

  • Robust Data Assets: We combine public data with aggregated and de-identified customer-consented performance metrics, giving us unmatched visibility into economic, banking, and consumer trends.

  • Proprietary Research & Expertise: Our team of economists and banking veterans ensures every publication, white paper, and benchmark report meets the highest standards for accuracy and relevance.

  • Actionable Intelligence for Modern Bankers: nRI regularly reports on economic trends, synthesizing timely academic research into strategic insights to help institutions adapt in real time, empowering them to shape the future and not just react to it.

  • Global Perspective: In an interconnected financial landscape, our analysis encompasses regional and international developments, illuminating the broader forces driving change in financial services.

Quarterly Credit Trend Analysis

Quarterly Credit Trend Analysis

Explore comprehensive assessments of emerging credit metrics, delinquency patterns, and macroeconomic conditions shaping lending decisions.

Banking Benchmarks

Banking Benchmarks

Access banking sector performance data on operational trends, identifying industry best practices and opportunities for optimization.

Economic Data Visualizations

Economic Data Visualizations

Dive into interactive charts and visual analyses that reveal shifts in consumer behavior, market conditions, and regulatory environments.

Unlocking Deposit Stability with New Insights for Strategic Growth

Discover how deposit stickiness within institutions can influence the design of smarter retention strategies that contribute to long-term deposit franchise profitability.

  • 70% of deposits are controlled by 10% of the depositors.

  • Our research shows high-balance depositors may value liquidity over highly-competitive interest rates.

  • Pricing matters, but behavior and utility define your deposit franchise.

Read the Full Report

The nRI Team

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Taylor D. Nadauld

Chief Economist at nCino, Chair of Finance Department and Professor of Finance at BYU
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Christopher Palmer

Associate Professor of Finance at MIT's Sloan School of Management
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Sasha Indarte

Assistant Professor of finance at the Wharton School, Penn
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Andreas Fuster

Senior Chair and Associate Professor of Finance at the Swiss Finance Institute
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Bronson Argyle

Associate Professor of Finance at BYU's Marriott School of Business

Early Access to Portfolio Risk

Empowering you with unprecedented insights into emerging financial trends and economic health with monthly trended analysis across critical asset classes.

Monthly credit card, auto loan, and total delinquency trends by state from January 2020 to March 2025.

Ready to Elevate Your Competitive Edge?

Position your institution at the forefront of financial innovation with exclusive, data-driven insights from the nCino Research Institute. Complete this form to secure access to nCino’s Data Community and discover how our research and analysis can inform your strategic decisions to keep you ahead in a rapidly changing market.

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