Customer Stories
How nCino Can Support M&A Activities
As financial institutions look to expand in the competitive and complex financial environment, we are seeing a surge in mergers and acquisitions.
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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
You Can Have it All: Balancing Fast Banking with Better Compliance
Financial institutions are facing the challenge of balancing the increasing demands for faster, digital banking with the rising wave of financial regulations, including compliance requirements like CECL and fair lending laws. The key to achieving this balance lies in adopting a seamless digital experience, leveraging data with emerging technologies and maintaining strategic and proactive operations through a flexible platform, as demonstrated by the importance of quick compliance during the COVID-19 pandemic. As consumers increasingly desire faster banking, more convenient access to their accounts and quicker decisions on their loan requests, financial institutions are hamstrung by a rising wave of financial regulations.
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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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The Cambrian Explosion: The Dawning of a New Era in Banking
The modern American banking industry has continued to evolve since the Civil War more than a century and a half ago. A survey of history reveals four periods in which the evolutionary forces in banking accelerated, each marking the start of a new era, starting with the Civil War, followed by the Great Depression, the twin energy and inflationary crises, and most recently, the COVID-19 pandemic.
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How Cynergy Bank Became Digitally Enabled with nCino Mid-Pandemic
Michael Rennie, Chief Digital Officer at Cynergy Bank, knew it was time for the bank to undergo a digital transformation before the COVID-19 pandemic became an influence. He identified the need to replace outdated technology to accommodate changing customer expectations, increase efficiencies and accelerate growth within the competitive financial services industry. He also wanted a product that would allow the bank to pivot quickly when necessary and offer new products and services to its borrowers.
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How nCino Helped American AgCredit Grow by 37%
American AgCredit is a proud member of the U.S. Farm Credit System, both founded in 1916. Today, the cooperative serves a diverse clientele of farmers, ranchers and rural customers across its network of 32 branches. American AgCredit offers loans, lines of credit, leasing and crop insurance products and serves capital market customers in all 50 states.Between 2015 and 2019, American AgCredit’s loan portfolio grew from $6.5 billion to $11 billion, reflecting a significant increase in transaction volume. The team at American AgCredit quickly realized that their current loan origination system was struggling to keep up with the volume. Dustin DeBusk, Head of Credit Management, said that the bank’s original loan origination system made entering information a challenge and did not integrate well with the bank’s other platforms.
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How Yorkshire Building Society Delivers a Modern Customer Experience with nCino
Yorkshire Building Society (YBS) is one of the largest building societies in the UK and is headquartered in Bradford, England. Since 1864, YBS has focused on fostering relationships with its loyal customers through the concept of TCF – Treating Customer Fairly. For YBS, TCF means providing customers with transparency before, during and after the point of sale and ensuring that their products and services deliver what they promise.
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Thought Leadership
COVID-19 Recovery Four Areas of Focus for Financial Institutions
Financial institutions worldwide have felt immense pressure from the impact of the COVID-19 global pandemic in terms of supporting their clients amid financial uncertainty. COVID-19 and the subsequent shutdowns of many businesses have had an economic impact across the globe. As a result of the pandemic, 7.5 million small businesses in the U.S. are now in danger of closing permanently. Unemployment rates in 2020 hovered nearly three times the average of the year prior, and as of June 30th, 2020, 4.5 million homeowners faced forbearance.As the prospect of a quick V-shaped recovery receded in many countries, Accenture analysts anticipated higher job losses, limited economic growth and an environment in which many consumers and businesses will be unable to pay their debts, significantly affecting financial institutions even further.
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Evaluating Commercial Loan Origination Systems: Defining Performance Drivers and Financial Impacts
The decision to evaluate and implement a commercial loan origination system (CLOS) is a big one for a financial institution, giving it the opportunity to leapfrog the competition and truly transform its commercial lending processes for its borrowers and employees. Careful planning and execution are key components of every successful CLOS evaluation, selection and implementation.
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