All Articles

Not Every Touchpoint Needs an Agent

When it comes to AI agents in banking, the real question isn't whether to use the technology. It's how to identify what work benefits from it, and where a banker's judgment still needs to lead. The AI a bank uses doesn't always have to be an agent. Some client journeys are best served fully autonomously, while others are better served by a banker with full context. In most cases, the client will interact with some combination of both. The benefits of AI agents are undeniable: faster closings, higher volume of clients served, and cleaner quality control, just to name a few. What matters is agreeing on which outcome fits a given client and journey, then deciding where automation, an agent, or a banker fits inside it.

Press Releases

nCino Brings AI-Powered Guidance and Automation Together in Loan Officer Productivity Suite for Mortgage

Suite unifies six AI-powered capabilities inside the nCino Mortgage Point of Sale to help originators work more efficiently and spend more time with borrowers

Thought Leadership

How Loans Move Through nCino's Agentic Homeownership Journey

Follow a mortgage from first search to post-close and see exactly where agentic AI picks up the manual work today.

Customer Stories

What Real AI Strategy Looks Like Inside a Bank: Zions Bancorporation's Approach

Every institution has an opinion on AI right now. Fewer have a strategy. At Zions Bancorporation, that strategy is specific enough to name, sequence, and staff, and it's being shaped by leaders who are just as focused on their people as they are on their technology.Neelan Suri, Senior Vice President, Strategic Initiatives Manager for Commercial Lending Technology, and Chantel Chase, Executive Vice President and Director of the Business Banking Loan Center at Zions Bancorporation, recently shared how the organization is thinking about AI, not as a single initiative, but as a shift that touches strategy, infrastructure, and culture all at once.

Thought Leadership

Switching Tech Within Your Stack Has Never Been Easier

There are a few key indications that it could be time to update your mortgage tech stack, and the signs are usually clear at all stages of the mortgage lifecycle. Processes slow and paperwork starts piling up because the technology can't handle a scenario it wasn't built for. Integrations that used to be dependable start breaking every time a partner sends an update. Eventually, a loan officer asks why a competitor's borrower portal feels so much smoother than the one they're using. Underneath all of it is usually the same realization: the team has outgrown its technology. What tends to hold lenders back isn't the realization itself, but what comes next. Changing any part of a mortgage tech stack used to mean recreating users one at a time, entering state licenses by hand, and rebuilding branch structures and role permissions from scratch, all of it usually landing on one or two administrators who already had a full workload before the migration even started. Given that history, staying on a system the team has clearly outgrown can start to feel like the more reasonable choice, even when everyone involved knows it isn't. What's changed is that many of the specific reasons switching used to be so disruptive have quietly gone away. Here’s what you need to know when determining if it’s time to update your mortgage tech stack.

Customer Stories

How a 21-Person Team Grew Commercial Loan Originations 100% While Only Adding 15% Headcount

Greenfield Savings Bank replaced antiquated manual processes with nCino and used additional platform support through the nCino Admin+ program to support platform adoption and optimization.

Thought Leadership

AI in Banking: Banks Are on Track, But Two Gaps Could Limit the Return

The financial payoff from AI takes time. Here's what banks should actually watch on the way to real returns.

Company Culture

Inspiring the Next Generation: The nCino Innovation Lab

Our newest community partnership is giving Provo teens the space and mentorship to discover what they're capable of.

Thought Leadership

Why Relationship Reviews Take Two Days And What Commercial Banks Are Doing About It

Most of a relationship review is assembly, not judgment. Here's how agentic AI gives commercial credit teams that time back.

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