The banking industry has a speed problem—but not the one you think.

Every vendor demo now features "AI-powered" automation, but your exception queues haven't shrunk.

We recently partnered with Celent to identify common challenges in commercial banking onboarding. The numbers reveal a stark reality: the average commercial onboarding process takes 49 days, with document collection causing 79% of abandonment cases and 31% of operations remaining manual.

OSB Group, the UK's leading specialist lender, faced a familiar challenge: legacy IT systems holding them back from scaling and staying competitive.

Recently, nCino had the opportunity to hear from industry leaders across the Nordic region—from established giants to innovative challengers.

Over the past year, nCino hosted senior banking executives at breakfast briefings across Benelux and the Nordics to discuss AI's role in credit risk and lending.

This analysis is based on Celent's Global Commercial Banking Onboarding Survey 2025, surveying 409 banking professionals across North America, EMEA, and Asia-Pacific, representing financial institutions ranging from $10 billion to $500 billion+ in assets.

This analysis is based on Celent's Global Commercial Banking Onboarding Survey 2025, surveying 409 banking professionals across North America, EMEA, and Asia-Pacific, representing financial institutions ranging from $10 billion to $500 billion+ in assets.

Established in 1926, Banque Raiffeisen is a cornerstone of Luxembourg's financial sector, known for its commitment to supporting and working in the best interest of customers. With nearly a century of service, the bank has built its reputation on strict governance standards and customer-centric operations.