# AI That Works as One **Banking Intelligence** Our Agentic Operating System delivers Banking Intelligence across the nCino platform: predictive, generative, agentic and analytical, built on 14+ years of banking context. Learn how nCino uses artificial intelligence to transform banking. Explore our AI hub for technology insights, responsible AI practices, and solutions that modernize every aspect of financial services. --- ## Banking Intelligence Featured Stats - **2700+ Global Customers** - **1,500+ Customers Contributing Context to our Platform** - **14+ Years of Banking Experience** --- ## Dual Workforce: AI and Humans Together Banking Intelligence is engineered to connect what AI and humans each do best. The Dual Workforce is our operating model to assist teams with purpose built tools, not replace them. **The Authority** ### Your Team Instructs and Decides Digital Partners do the work your team directs, in the background, surfacing the moments where human judgment is required. **The Commitment ** ### Intelligence That Augments AI handles data, routing, surveillance and summary. Your team handles what only humans can do best: judgment, relationships and accountability.  **The Guardrails ** ### Auditable by Design Human-in-the-loop is always the default and every action is documented. Every decision is traceable end-to-end and action-ready prompts are surfaced automatically.  --- ### Why Banking AI Is Different at nCino Generic AI is trained on public data. At nCino, Banking AI is grounded in 14+ years of real banking context. **Generic AI** **nCino** **Built On** Generic data scraped from the web with no banking context. 14+ years of real banking operational context: credit decisions, portfolio outcomes and workflow patterns. **Governed By** Agentic behavior is opaque and auditability is not built in. Audit trails, explainability and regulatory rigor transparently factored in by design. **Sized For** Hundreds of disconnected agents and tools layered on top of the stack, each requiring management. Four connected AI layers on the nCino-built agentic operating system: predictive, generative, agentic and analytics. Not a stack of point tools. **Data Training** May include customer or member NPI or PII. GLBA disclosure becomes complicated. Never uses PII or NPI to train our foundational models. GLBA disclosure is straightforward. --- **The Architecture ** ## The Intelligence Layers nCino's AI architecture is built from the ground up for financial services, with the Agentic Operating System as its foundation. ​ The AOS connects, coordinates, and governs every AI action across your institution, with enterprise-grade identity, execution, memory, observability, and compliance built in. Digital Partners bring role-based AI to key functions in your organization. Advisors provide the conversational interface where your teams and clients interact with that intelligence in plain language. APIs and MCPs keep it all connected to the systems you already run. --- ## Banking Intelligence in Action From a natural language conversation interface to role-based agents, discover the six solutions that define Banking Intelligence and AI on the nCino platform. **Role-Based Agents** ### Digital Partners Fueled by real decisions, portfolios and workflows. Not the open web. [Explore Now](/digital-partners) **Conversational Interface** ### Banking Advisor | Mortgage Advisor Our AI conversational interfaces for both your teams and clients. Natural-language requests, context-aware results, no prompt engineering required. [Explore Now](https://www.ncino.com/banking-advisor) **Analytics** ### Operations Analytics Peer benchmarking and process insights from 14+ years of institutional banking context. Transform your operational data into strategic intelligence. [Explore Now](/operations-analytics) **Analytics** ### Mortgage Analytics Real-time visibility into pipeline performance, loan officer productivity and mortgage cycle times. Six modules, one platform.  [Explore Now](/mortgage/us/mortgage-analytics) **Integration** ### Integration Gateway A pre-built iPaas with configured connectors for 14+ core platforms and 50+ specialized partners. A catalyst for connection with other technologies. [Explore Now](/solutions/integrations) --- > “It's not automating jobs away. We love our people. We're in a people industry. It's leading them through change and the ability to elevate their skills." > > — Jill Boyle, SVP, Head of Commercial Product and Treasury Solutions Group, WaFd Bank --- ## Your Questions, Answered FAQs ### AI is everywhere right now. How is nCino's version of banking AI different?  nCino has been a banking platform for 15 years, not a start up pivoting to AI. The AI capabilities you will see in Banking Intelligence run on the data and workflows we have been building since 2011. The contrast with most AI you see in market right now is sharp. Horizontal AI platforms have to retrofit their tools to banking; nCino has been banking-native from day one. That foundation is what makes our AI offering specific rather than generic. We didn’t adapt to the future, we built it. ### What's the difference between Banking Intelligence and Digital Partners? 
 Banking Intelligence describes the system that runs AI across the entire nCino platform: the four AI layers \(predictive, generative, agentic and analytical\), the solutions that live within them and the data foundation that makes all of it banking-specific. Digital Partners is the agentic AI layer; five role-based AI agents that complete banking work end-to-end through natural conversation.  ### Is your AI trained on our customer data? No. nCino does not use Personally Identifiable Information \(PII\) or Non-Public Information \(NPI\) to train agents or foundational models. Your data stays yours. Banking Intelligence is informed by data context contributed from 1,500+ customers. GLBA disclosure is straightforward. ### What's the regulatory exposure with deploying AI through nCino? nCino was built for the examiner from day one. SOC 2 Type II certified. Compliance frameworks covering TRID, HMDA, CRA, Dodd-Frank 1071, KYC/AML and DORA are built into the platform. Every Digital Partner action is documented. Comprehensive model risk documentation is aligned with OCC and CFPB guidance. The practical effect for your institution: you can move fast on AI within a platform your examiner already trusts. You do not have to choose between innovation and compliance, and you do not have to build a new model risk program from scratch to deploy the AI capabilities your team needs. ### How much does this cost? When do I see ROI? Pricing depends on which products you deploy and how your team uses them. For Digital Partners, nCino's pricing model is built around the Intelligence Solution Framework \(ISF\), which uses Intelligence Units to align cost with usage and value. A conversation with our team will give you a numbers-level answer tailored to your situation. ### What types of institutions does nCino serve? Is this only for enterprise banks? nCino serves a network of institutions across enterprise banks, community and regional banks, credit unions and independent mortgage brokers \(IMBs\) in 20 countries. Banking Intelligence is the same system across all of them. What varies is which products you start with and how fast you adopt. AI is lowering the barrier to entry, not raising it. The fastest movers are often the institutions that have been most consistent in their processes and most disciplined about clean data, regardless of how many billions in assets they hold. ### How does Banking Intelligence weigh against an in-house alternative? The compliance architecture, model risk documentation, examiner relationships and structured banking data took 15 years to build. An in-house alternative can attempt to replicate the features, but it cannot distill the decade of data and regulatory rigor. Our calculation for a large enterprise building the equivalent in-house is it would take roughly 5x longer and cost 2x more, before counting the ongoing quarterly maintenance burden the team inherits indefinitely. Every model update, every regulatory change, every banking workflow shift becomes your team’s permanent cost center. nCino’s customers get those updates as part of the platform. --- **Explore What’s Possible** ## Find Your Starting Point for Banking Intelligence Whether you’re focused on efficiency, risk, insights or AI readiness, our team can tailor a walkthrough to the solutions and workflows that matter most to your institution. [Schedule a Demo](/demo) --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)