Certification

nCino's Blog

Hand on keyboard

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.

Read Now
Filter (143 results)
Why Explainable AI is the Future of Lending photo
Thought Leadership

Why Explainable AI is the Future of Lending

The introduction of Apple’s transformative product in 2007 was a moment that changed the future. Like the now iconic iPhone, the launch of generative AI tools like ChatGPT and Google Bard have captured the public’s imagination, launching an explosion of applications and experiments across nearly every industry, from business and commerce, to art and government.For many of these use cases, the “how” behind the AI model isn’t particularly relevant. If you ask ChatGPT to compose a wedding invitation in the form of a Shakespearean sonnet, you don’t necessarily need to understand how AI can instantly conjure the right rhyme scheme.A wedding invitation is one thing; a financial institution’s credit lending decision is quite another. When it comes to such high stakes decisions, understanding the inner workings of the model is vitally important—even required. For those use cases, explainable AI is the solution.

How a POS Solution Transforms Mortgage
Thought Leadership

How a Point-of-Sale Solution Transforms Mortgage Lending for Tech-Savvy Customers

Applying for a mortgage can be a daunting experience. From collecting and organizing paperwork to completing lengthy application forms, the process can be time-consuming, stressful, and prone to errors. With the help of the right digital mortgage experience and a point-of-sale (POS) solution, however, the mortgage application process can be streamlined and simplified for the customer or member, real estate professional, loan officer, title and settlement partner.Keep reading to learn five reasons innovative financial institutions are choosing a digital mortgage solution with a built-in point-of-sale solution to modernize the home lending experience:Power lending experiences with a user-friendly interface.One of the biggest advantages of a digital mortgage experience combined with a point-of-sale solution is the user-friendly interface. With one login, each stage of the mortgage transaction is streamlined across all stages of the journey. The right solution simplifies application processes and provides customers with a simple, easy-to-navigate workflow that guides them through the application process step-by-step. It also empowers real estate agents and lenders to provide pre-approval letters at their office, or more conveniently through a mobile device. This ensures customers provide all the necessary information and reach key milestones, and it makes the application process less intimidating and more accessible. The right solution must also make the experience just as simple and seamless for customers that prefer to work directly with their loan officer. With a native mobile experience, customers can apply for a mortgage, receive approval, and close on their home, all from the convenience of a mobile device.

Newsroom Image Green Banner
Thought Leadership

UK Consumer Duty: 5 Tips to Prepare Your Institution

Regulation is a constant in the banking industry, with new requirements regularly being introduced. The challenge lies in interpreting and actioning these regulations, and with the UK Consumer Duty regulation approaching, it's clear that financial institutions in the UK need to be proactive.What is Consumer Duty?The FCA’s proposed Consumer Duty regulation requires firms to prioritise their customers’ interests by focusing on delivering “good outcomes”.According to the regulation, “good outcomes” are based on three core principles: acting in good faith, supporting financial objectives and avoiding foreseeable harm. In other words, lenders must act in their customers’ best interests by providing tailored products and services, communicating transparently and avoiding any potential harm.- Starting on July 31, 2023, every lender will be required to define and monitor what constitutes good outcomes for their customers.- From September 2023, the FCA will be reaching out to a select number of firms to investigate what has changed (or not) in the gap analysis.- Beginning in January 2024, lenders will be asked for dashboard samples with supporting data demonstrating avoidance of harm.The regulation will continue to evolve throughout these phases. Based on the findings, the FCA could recommend further changes to improve compliance with the Duty through 2025.

113141516

Ready to transform your institution?

Trusted by over 2,700 financial institutions, the nCino Platform leverages agentic AI to enhance strategic decision-making, risk management, and customer satisfaction at your institution. See our best-in-class intelligent solutions in action - request your free demo today.

A specialist will reach out to you soon to scope a walkthrough tailored to your institution.

Get your personalized demo

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.