# Built for Speed. Built for Scale. Built for Digital Banking.

Challenger banks move fast, but processes that work at 10,000 customers break at 100,000 — and regulators grant no growth exemptions. nCino delivers resilience and open APIs, in a compliance-enabled environment.

nCino delivers resilience and open APIs, in a compliance-enabled platform so digital & challenger banks can continue growing without the burden of building complex processes.


---


## Compliant Forward Design. Intelligent From Day One.

nCino gives challenger and digital banks the infrastructure to move fast: a configurable platform to launch new products without rebuilding, and AI-powered intelligence across every process — all designed with the tools to support the compliance your regulators expect.

---


### Client Lifecycle Management \(CLM\)
Streamline commercial client onboarding from KYC to activation with automated data collection, real-time risk scoring, and built-in AML compliance, cutting onboarding from months to days.
[Explore CLM](/solutions/client-lifecycle-management)

### Identity Solutions 
A PaaS compliance platform providing eKYC across 160+ countries, document verification with facial comparison, AML and PEP screening, and fraud prevention through a single supplier-agnostic integration, built to support B2C onboarding at scale.
[Explore Identity Solutions](https://www.identitysolutions.ncino.com/)

### Integration Gateway
A purpose-built iPaaS that connects your core, CRM, data providers, and third-party fintechs through a unified API layer, so you build once, integrate everything, and launch products faster.
[Explore Integration Gateway](/solutions/integrations)

### Mortgage
Mortgage origination solution that gives digital banks complete control over the borrower experience while powering a compliant, data-rich origination engine behind the scenes.
[Explore Mortgage Lending](/mortgage/uki)

### Commercial Lending
For digital banks expanding into commercial lending: a fully embedded, AI-native LOS that streamlines origination, credit analysis, and portfolio management in one connected platform.
[Explore Commercial Lending](/solutions/commercial-lending)

### SmartBanker
Data-driven prospecting for commercial relationship teams. Screening, engagement signals, and company intelligence help identify high-potential prospects and reduce the cost of new commercial customers.
[Explore SmartBanker](/solutions/smartbanker)

### ProBanker
Near real-time credit intelligence from Credit Reference Agencies, providing teams with a total view of customer borrowing, cash positions, and risk signals across multiple financial institutions.
[Explore ProBanker](/solutions/probanker)

### Continuous Credit Monitoring \(CCM\)
Proactive, real-time credit portfolio monitoring with early warning alerts and AI-generated risk summaries, helping growing banks stay ahead of risk as their books expand.
[Explore CCM](/continuous-credit-monitoring)

---

**Buy vs. Build**

## The Strategic Guide to Banking AI in 2026

\[61% of banks still build technology in-house\]\(https://datacentre.solutions/news/63869/banks-build-their-own-technology-solutions\), with some \[running on code that's over 50 years old\]\(https://www.finextra.com/blogposting/25733/can-ai-cure-the-curious-case-of-cobol-in-the-finance-indu\).

Banks that buy their foundation can get to market in a fraction of the time and cost, freeing resources to focus on serving clients instead of maintaining infrastructure.

[Download the Playbook](https://explore.ncino.com/buy-vs-build-whitepaper/)

---


## “We attempted to build and see how quickly we could solve some of the problems. But in terms of feature parity, we were just trying to build exactly what nCino was.”

Louise Bird, Commercial Product Officer at Shawbrook Bank

[Read the Full Story](https://www.ncino.com/en-GB/blog/shawbrook-bank-customer-story)

---

[View sitemap](https://www.ncino.com/api/markdown/sitemap)