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.

81% of UK adults say the quality of online experience determines who they bank with. That's not just a warning sign; it's a call for change.

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.

Business lending remains a critical growth driver for banks, yet many struggle to scale effectively. What's holding them back?

Automation isn't just nice to have anymore—it's essential. Financial institutions are under pressure to serve clients faster, manage risk more effectively, and reduce operational costs. Yet too often, the path to value gets slowed by fragmented tools, endless integrations, and complex compliance reviews.