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Thought Leadership

6 Tech Trends to Keep on Your Radar in 2026

With market forces already in motion, 2026's real differentiator will be the technology trends financial institutions choose to act on—and how fast they move.

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Thought Leadership

CECL Methodology Selection Guide

Among the many decisions financial institutions will need to make in order to comply with the new CECL Accounting Standard Update (ASU), one of the most important is determining which method to use to estimate expected credit losses on loans and other assets measured at amortized cost.This ASU references loss rate methods, probability or default methods, and discounted cash flow methods, but how do you know which method is most appropriate for your institution? In this white paper, industry experts offer a guide to help you make the best decision for your financial institution.

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Optimizing Treasury Management Sales and Onboarding With nCino

In today’s transaction-driven banking environment, providing an exceptional treasury management experience and service are key factors in creating value for customers. In order to optimize treasury’s value, financial institutions (FIs) must embrace automation in their sales and onboarding processes to reduce the amount of time between when a new treasury customer says “yes” to the first time a customer receives an account analysis statement.

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The nCino Stack

The nCino Stack

We're excited to launch our new Substack blog, where technical experts share what we’re building, learning, and solving in cloud banking technology.

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Thought Leadership

Cornerstone Advisors Report: Five Mistakes to Avoid in Digital Account Opening

Digital account opening is a top priority at many financial institutions, for good reasons. With loan-to-deposit ratios above or approaching 100%, banks and credit unions can’t afford to lose out on potential deposits due to ineffective or inefficient account opening processes. A “friction-free” process is essential to the digital account opening experience but achieving this goal may be harder than it looks for institutions jumping into the DAO waters.“Not long ago, most financial institutions basically had the same digital account acquisition capabilities. Not anymore. Leading institutions are pulling away. Banks and credit unions that don’t provide end-to-end digital account opening must upgrade quickly.”
– Cornerstone Advisors

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Thought Leadership

Transforming the Agile Enterprise into the Intelligent Enterprise

In the past, the financial services industry was slow to change. Due to the COVID-19 pandemic and consumers’ shifting preferences, however, financial institutions are rapidly adopting digital capabilities and other technologies to support quick, seamless and automated processes and better serve their customers. As the industry embraces change, emerging cognitive technologies like artificial intelligence (AI), natural language processing and machine learning are transitioning from a “nice-to-have” to established key business drivers.While banks begin to truly understand the importance of cognitive technologies, it’s imperative to understand how to fully leverage these technologies to see true business value. The time has come to transform the Agile Enterprise into the Intelligent Enterprise by fully harnessing the power of cognitive technologies to capture deeper customer insights, make informed, data-driven decisions, manage risk and increase efficiencies.

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Customer Stories

How WaFd Bank Reimagined Efficiency and Revenue with nCino

Before embarking on their digital transformation journey, WaFd Bank was a lean operation, providing few services but executing them well.

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Customer Stories

Deploying nCino’s Accelerated Delivery Model at Platinum Bank

Before implementing nCino, Platinum Bank, a community bank based in the Midwest, was using paper-based processes that required manual tasks. Like many of their competitors, the Bank was looking for a cloud-based solution that would help it gain efficiency, increase transparency and offer its employees and clients a seamless digital experience.Platinum Bank went live on the nCino platform in just under six months, partnering with nCino on an accelerated delivery for incredibly fast implementation, despite additional challenges caused by the COVID-19 pandemic. With new efficiencies and automations to transform commercial lending, the Bank is now able to spend more time in business development and serving existing clients, all while delivering faster credit decisions. Powered by nCino, Platinum Bank can also grow its business loan portfolio more effectively and competitively by identifying bottlenecks in its sales processes.

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Why Vancity Chose nCino to Streamline Commercial Lending

Vancity is Canada’s largest community credit union and is a values-based financial cooperative serving the needs of more than half a million member-owners through 60 branches in metro Vancouver, the Fraser Valley, Victoria, Squamish and Alert Bay in British Columbia. Vancity offers a full range of financial products and services for individuals, businesses and non-profit organizations, including deposits, loans, investments, credit cards and foreign exchange.

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Thought Leadership

How ESG Strategies Will Impact Financial Institutions

There is a new acronym that has become the center of global conversation around ways to quantify corporate impact. That acronym is ESG, which stands for Environmental, Social, and Governance, and it refers to a set of standards for company operations that investors use to screen potential investments.

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