Europe

Thought Leadership

nCino's Big 5 Insurance Predictions for 2026

As we move into 2026, we’re reflecting on what 2025 taught us, and what it means for our insurance customers.

Thought Leadership

Four Ways to Thrive in a Softening Commercial Insurance Market

After years of hard market conditions, the UK commercial insurance market is now softening.

Thought Leadership

Building Customer Loyalty in Mortgage Lending: Insights from our Executive Breakfast

We recently hosted several senior mortgage executives alongside Business Reporter to discuss the evolving landscape of mortgage lending and the critical challenge of building customer loyalty in an increasingly competitive market.

Thought Leadership

The Visibility Gap: Why are Banks Struggling to See the Full Picture?

Banks are under growing pressure to make faster, more accurate credit decisions, whilst managing risk exposure and improving customer outcomes.

Thought Leadership

The Power of CAIS & CATO: Inside the UK's Most valuable Commercial Datasets

Now more than ever, banks need to focus on customer affordability.

Thought Leadership

Flying Blind: The Missing Link in Commercial Lending

In the high-stakes world of commercial lending, timing is everything

Thought Leadership

Unlocking Hidden Opportunities in the UK Lending market

Every year, lenders are missing out on millions in bookable lending from viable borrowers who were either rejected or approved but didn’t take up offers.

Thought Leadership

Why Banks Still Build What They Should Buy - And What It's Costing Them

For decades, banks have been navigating the crucial decision of whether to build lending platforms in-house or buy an external vendor solution.

Thought Leadership

Bridging the £22 billion SME Funding Gap

Small and medium-sized enterprises (SMEs) are the lifeblood of the UK economy, yet they’re locked out of critical funding.

Thought Leadership

How Commercial Banks Can Boost Their CMA Rankings in 2025

The latest CMA business banking survey has dropped some serious insights, and we're excited to share what's happening in the commercial banking world.

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Thought Leadership

The Perfect Submission: Elevating Your Underwriting Game

How can brokers get their risks to the top of an underwriter’s inbox?

Thought Leadership

How AI Can Improve Lending Workflows

Artificial Intelligence (AI), Machine Learning (ML) and robotic process automation (RPA) are shaping the future of the lending industry, enabling lenders, both traditional and alternative, and other financial institutions to improve efficiency and reduce costs. But AI can do much more than automate processes and boost efficiency.

Thought Leadership

Roundtable Takeaways: The Role of Networks in the New Era of Insurance

Ashleigh Gwilliam from nCino provides his guidance on the future of networks in the insurance industry.

Thought Leadership

Single Source of Truth for Accurate Business Funding Decisions

The principal finding of the inaugural report of the CFIT Open Finance Coalition was that substantially more lending could be made to small businesses, and significant increases in lending acceptance rates made possible, with the timely provision of more high-quality, reliable data to lenders.

Thought Leadership

New Era CLM: How 2025 has Ushered in a Better Way to Serve Customers Throughout the Journey

Let’s put it out there right from the start, your Customer Lifecycle Management (CLM) journey has become increasingly complex, expensive, and difficult to navigate.

Thought Leadership

UK SMEs are looking to grow in 2025: Technology can Help Lenders Respond

Recent sentiment shows that SMEs are feeling more optimistic about their prospects in 2025.

Thought Leadership

2025 BIBA Manifesto: What it Means for the Industry

On Wednesday January 15, BIBA launched their 2025 Manifesto at the houses of parliament. The key theme in 2025 is “Partnering to deliver value” and as a BIBA Facility provider, we couldn’t agree more!

Press Releases

FullCircl Makes Inaugural Appearance in List of World's Most Innovative InsurTechs

A renowned panel of analysts and industry experts studiously selected the finalists for the annual InsurTech100 list, from a shortlist of more than 2100 nominations.

Press Releases

FullCircl Featured in the Inaugural DataTech50 List

A renowned panel of analysts and industry experts studiously selected the finalists for the DataTech50 list, from a shortlist of more than 400 companies.

Press Releases

Howden Integrates FullCircl into Acturis to Enhance Client Experience whilst Reducing the Cost of Compliance

The project initiative is driven in part by the vision of Carl Shuker, CEO, Howden UK&I, aiming to support a consistent Howden client experience across the National Branch Network.

Press Releases

Hedron Network Champions Acturis + FullCircl Integration

Hedron has signed a three-year contract to help brokers achieve data-driven growth.

Press Releases

Acturis Partners with FullCircl to Deliver Next Generation Data Enrichment to the Insurance Market

The SmartBroker API integration will provide next generation data enrichment to Acturis users proven to drive growth, improve decisioning, and enhance compliance.

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.

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Thought Leadership

Mortgage Transformation: 5 Mistakes to Avoid

In this white paper, experts from nCino and PwC explore five common mistakes that firms make when attempting a digital transformation project, and offer best practices drawn from their experience in deploying hundreds of new platforms on behalf of clients across multiple geographic regions.With regulatory headwinds picking up, interest rates still rising and borrower expectations changing, the macroeconomic outlook for UK homebuyers and mortgage lenders alike is daunting.This is why many UK mortgage lenders are intent on disrupting the market by serving their clients throughout the entire homeownership journey, from applying for a loan to refinancing their home. To achieve this goal of capturing more of the home buying journey and growing direct lending market share, mortgage lenders will need to provide borrowers with seamless and efficient mortgage experiences. During a time when it is more important than ever to identify and act on operational efficiencies and areas for cost savings, lenders can no longer afford to ignore their legacy technologies and antiquated processes.

Thought Leadership

Digitising Mortgage Journeys: The Top Challenges for UK Building Societies

In September, the nCino UK Mortgage team ran a workshop with 40 delegates at the MoneyLive Building Societies event on the topic of digitising mortgage journeys and the solutions technology offers.