AI That Works as One

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.