
The Build vs. Buy Dilemma: What You Need to Know
To buy or to build? That’s the debate in today’s evolving landscape.
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To buy or to build? That’s the debate in today’s evolving landscape.
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nCino announces appointment of Justin Nyweide to Board of Directors.
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Pierre Naudé Appointed Executive Chairman of the Board
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As we look towards 2025, many analysts and industry experts are sharing observations on the current state of artificial intelligence (AI) and their predictions for the future. As AI use cases continue to evolve across industries, it’s critical for financial institutions (FIs) to evaluate their own AI journeys. Are they ahead of, in step with, or falling behind their competitors?
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• Total Revenues of $138.8M, up 14% year-over-year
• Subscription Revenues of $119.9M, up 14% year-over-year
• GAAP Operating Margin of (1)%, up ~1,000 basis points year-over-year
• Non-GAAP Operating Margin of 20%, up ~350 basis points year-over-year

In a world where the financial industry continues to evolve rapidly, financial institutions need to do the same. One way to maintain your edge is by embracing a balance of automation and augmentation. This approach enhances operational efficiency, optimizes risk management, and revolutionizes the experience for both banker and client.
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In today’s financial landscape, digital transformation has become an essential priority for financial institutions (FIs), and credit risk management is no exception. Despite economic challenges, many banks are making significant investments in advanced technologies to fast-track their digital transformation. While cost pressures are considerable, the potential of technology to enhance automation and efficiency continues to drive these investments forward.
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