Established in 1926, Banque Raiffeisen is a cornerstone of Luxembourg's financial sector, known for its commitment to supporting and working in the best interest of customers. With nearly a century of service, the bank has built its reputation on strict governance standards and customer-centric operations.

Commercial banking leaders face a stark reality: onboarding is expensive, time-consuming, and increasingly critical to competitive success. The question is no longer whether to modernize onboarding—it's whether you'll lead the transformation or be left behind.

Getting a mortgage is one of the biggest financial decisions most people will ever make. Yet borrowers are often met with long waiting times, mountains of paperwork, and a frustrating, opaque process that leaves them in the dark about their application status.

Written by Will Jung, Chief Technology Officer, nCino

Many financial institutions are no longer asking whether they need automation. Instead, they’re asking which platform can prove it works. When multi-million dollar investments hang in the balance, decision-makers demand confidence through live validation rather than speculation based on feature lists. The stakes are too high for theoretical capabilities alone. Executives responsible for enterprise-wide technology implementations seek demonstrations that verify performance against their specific legacy systems and operational realities.

Enterprise banks face a fascinating paradox. You have the resources, expertise, and infrastructure that smaller institutions can only dream of. But when it comes to automation implementation, community banks and credit unions move faster and achieve quicker wins.Recent research reveals why this happens—and more importantly, how you can turn your scale into the competitive advantage it should be.

Innovation is part of our DNA at nCino. We've built a culture where experimentation thrives, from our weekly Innovation Fridays, where teams present cutting-edge ideas, to our Intelligence at Work sessions where employees discuss their AI-driven innovations directly with CEO Sean Desmond.

You’ve read the case studies. You’ve attended the webinars. You’ve heard the promises. Yet, despite recognizing automation's transformative potential, you remain stuck in extended evaluation cycles, unable to move from pilot programs to meaningful implementation.

The numbers tell a troubling story. While 87% of financial institution leaders recognize intelligent automation's transformative potential, only 32% have moved beyond pilot programs to meaningful enterprise-wide implementation. That's a 55-point execution gap—and it's costing the industry billions in unrealized efficiency gains.Most executives blame the technology. But they’re wrong.