Analyst Reports

View and access analyst reports, research and coverage of nCino, the Bank Operating System and Solutions.
08/13/2020
nCino Named Best-in-Class Retail Loan Origination System in Aite Matrix
The nCino Bank Operating System® has been recognized as a best-in-class retail loan origination system in Aite Group’s 2020 report. nCino ranked among the highest in the categories of client strength, client service and product features.
05/28/2020
Upgrading Experience and Efficiency: Retail Loan Origination System Market Overview
This report provides an overview of the RLOS market, examines the factors impacting financial institutions’ use of RLOS solutions, and identifies the differentiating features and capabilities offered by vendors that serve a broad spectrum of consumer lenders, from fintech startups to large banks, around the world.
04/16/2020
Santander UK: Commercial Lending Evolution and Digitization – Winner of the Celent Model Bank 2020 Award
Celent, a global financial services research and advisory firm, has named Santander UK the winner of the Model Bank Award for Commercial Lending for delivering its customers a cutting-edge lending experience utilizing the nCino Bank Operating System.
03/19/2020
Exclusive Series on Evaluating, Selecting and Implementing a Commercial Loan Origination System
Over the course of three reports in this complimentary series, Cornerstone Advisors identifies the four critical factors for a successful evaluation and selection process, explains how to define objectives and target metrics for the new system, and shares seven common pitfalls of a CLOS implementation and how to avoid them.
01/28/2020
Digital Customer Onboarding Vendor Spectrum: Small Business Banking Edition
This report examines how banks have the opportunity to end the struggle small businesses have with painful application and onboarding processes thanks to the maturing of third-party solutions.
01/27/2020
Retail Banking Customer Acquisition Platforms
Refreshing a 2016 analysis, Celent looks anew at vendor solutions designed to address digital customer origination and onboarding using Celent’s rigorous ABCD vendor view methodology.
12/12/2019
nCino Named the Leading CLOS by Aite Group
nCino has again been recognized as the top vendor by Aite Group in the analyst firm's 2019 report "Commercial Loan Origination: Sharpening the Tip of the Spear." In addition to the top position in the overall evaluation, Aite selected nCino for "The World Traveler Award" for its global expansion, "which has resulted in an installed base that is enviably geographically diversified."
11/27/2019
Commercial Loan Origination: Sharpening the Tip of the Spear
This report explores some of the key trends within the CLO market and examines how technology is evolving to address new market needs and challenges. It leverages a variety of data sources, including conversations between the author and users of CLO systems, briefings on systems in the market and demonstrations of these systems,
09/30/2019
Cornerstone Advisors Identifies 5 Mistakes to Avoid in Digital Account Opening
In this exclusive report, Cornerstone Advisors identifies five common mistakes financial institutions make when deploying digital account opening tools and technologies, and share why digital account opening is just one part of a future-ready organization's digital transformation journey.
08/13/2019
AI in Business Lending
By examining the current state of AI in business lending this report is a useful resource to leaders of lending lines of business who seek to better understand how this exciting new technology can help them achieve objectives such as amplified scale, reduced risk, and a more digitized borrower experience.
08/4/2019
Account Opening: Run It Like You Own It
As customers increasingly migrate to the digital channels, FIs must rethink their account-opening experience.  This study focuses on current trends that shape the experience, the metrics needed to manage account-opening, and best practices in account-opening design.
08/1/2019
Hype Cycle for Digital Banking Transformation, 2019
This report discusses why bank CIOs and their contemporaries must fully embrace opportunities to totally transform both their business ecosystems and the underlying business models.
03/15/2019
Peer Insights: Digital Banking Platforms
Gartner's Peer Insights program is a free and public platform that offers verified, first-hand reviews of software products and services. See what others are saying about nCino.
01/3/2019
Top 10 Trends in Retail Banking & Payments, 2019: Disruption is the Norm
At the dawn of 2019, “disruption is the new normal” is an apt description for the geopolitical landscape as well as retail banking and payments. This report explores how technology innovation, rapidly shifting consumer preferences and regulation are driving dynamism in 2019.
12/8/2018
How ISVs Can Effectively Leverage Application Ecosystems
See how nCino adds value to Salesforce's ecosystem by offering greater capability and innovation to financial institutions. This report highlights how nCino can be leveraged to maximize market success and return on investment.
11/21/2018
Lend, Baby, Lend: Top 10 Trends in the Online SMB Lending Space
This report details the top 10 trends that Aite Group anticipates in the U.S. online SMB lending market in 2019.
11/19/2018
Pacesetters in Customer Engagement: Top Trends and Best Practice Players
Bank customer engagement needs to evolve if banks are to remain competitive with alternative providers. Celent highlights several pacesetters, including nCino, who are leading the charge by transforming the engagement model, adopting new channels and user interfaces, and investing in intelligence.
10/23/2018
AI: Transforming the Digital Account-Opening and Onboarding Experience
This report examines the state of the account-opening and onboarding experience, surfaces the challenges that still exist from customer and employee perspectives, discusses the opportunity AI creates to transform the process, and gives insight into what FIs need to do to take advantage of AI.
08/27/2018
Market Guide for Digital Business Platforms
Digital banking platforms lay the foundation for those banks that wish to transform themselves into digital businesses. This report provides recommendations to CIOs working to deliver the digital banking experience and names nCino as a notable vendor.
08/7/2018
Global Investment in Fintech for Retail Banking and Payments: Still Making Waves
This report provides an analysis of the 2017 global investment in fintech for retail banking and payments.
08/3/2018
On the Radar: nCino Modernizing Bankers' Front Office
Banks remain under sustained pressure to cut operating costs and improve the speed, clarity, and efficiency with which they manage customer relationships and individual product applications. See how nCino's single cloud-based application can help banks boost productivity and remove pinch points, while ensuring regulatory compliance.
07/25/2018
Hype Cycle for Digital Banking Transformation, 2018
This 2018 Hype Cycle for digital banking transformation exists in the context of a banking market showing high levels of fragmentation and diversity to give bank CIOs a clear vision for the industry and their institution's role within it to gain clarity on which technology they should embrace.
06/27/2018
4 Effective Strategies for ISVs to Leverage CRM Marketplaces
This report outlines how technology business unit leaders can leverage the marketplaces around CRM suites to maximize their market success and return on investment.
04/5/2018
SWOT: Salesforce Customer Success Platform, CRM Market, Worldwide
Salesforce's Customer Success Platform is the clear leader in the CRM application software market, according to Gartner. This report outlines Salesforce's broad swatch of CRM functionality and how nCino is a key extension for financial services.
04/4/2018
The Productivity Crisis in Commercial Lending
This report takes a closer look at the costliness of commercial lending and examines how much time loan officers and underwriters spend on their core job responsibilities.
02/9/2018
The Future-Ready Commercial Banking Report
The importance of commercial lending is paramount to banks. Yet many bank executives are not well-positioned for the changes they envision coming down the road in the industry. This free report provides a roadmap, benchmarks and recommendations for how banks can address these concerns and become future-ready.
02/8/2018
Alternative Lenders: Where They Thrive and Where They Are Weak
In the context of the arrival of the alternative lenders and banks’ range of potential reactions to them, Aite Group undertook an analysis of alternative lenders to determine where they thrive and where they are weak.
10/23/2017
Commercial Loan Origination: Scoping the Market and Comparing the Vendors
The nCino Bank Operating System received the highest marks among commercial loan origination (CLO) vendors evaluated by Aite Group in the analyst firm's October 2017 report.
06/1/2017
Leaders of Treasury Management Onboarding: The Pursuit of Automation
This report highlights the demand for treasury management onboarding solutions within the financial services industry and profiles the leading technology providers in the space, including nCino.
05/31/2017
Next-Era Wealth Management CRM: Technologies to Acquire and Engage
This report profiles 15 of the most important North American CRM vendors that provide core CRM software and that offer wealth management-specific CRM solutions.
05/4/2017
Cloud Heat Map for Banking, 2017
Banks are keen to use the cloud, but continuing regulatory concerns mean that public cloud is still relatively unpopular. Bank CIOs can use Gartner's heat map to help guide their cloud investments.
02/22/2017
SMB Lending: Spotting the Holy Grail Applicant
This report is based on an August 2016 Aite Group survey of 501 SMBs that recently applied for credit and presents a personality profile or persona that banks can use to identify their most important applicants: those that are most price-sensitive, most likely to bundle services, and least likely to be attracted to alternative lenders.
01/11/2017
Thriving in the SMB Credit Market: A Capability Checklist
Based on a Q3 2016 Aite Group examination of 501 credit-seeking SMBs, this research identifies the most important characteristics, channels, and capabilities banks and other lenders must have to attract and retain credit-seeking SMBs.
12/6/2016
Lending to SMBs: It's a Borrower's Market
This report profiles the typical credit-seeking SMB. It explores the circumstances under which SMBs seek credit, where they apply, how far in advance of a need they seek funds, how much they borrow, the terms under which they borrow, and attitudinal factors such as their opinions about technology adoption and financial leverage.
11/2/2016
Branch Technology Evolution: Capabilities to Meet Retail Banking Challenges
This Impact Report describes retail banking executives' views of how branch technology is evolving, and it makes recommendations for financial institutions and vendors participating in the branch technology market.
10/19/2016
U.S. Credit Card Issuers' Digital Account-Opening Processes
This report looks at top credit card issuers in the United States (American Express, Barclays, Bank of America, Capital One, Citibank, Chase, Discover, Wells Fargo, and U.S. Bank) and identifies how these issuers use best practices to help consumers learn about and apply for credit cards.
04/5/2016
Automating Commercial Lending: Do's and Don'ts, and How Much You'll Make
This report quantifies automation’s potential benefits and identifies and explains the best and worst practices banks’ deployment teams should keep in mind when automating commercial lending.
01/6/2016
Commercial Loan Origination: Evaluating Scale-Enabling Vendors
This report explores key trends within the global market for commercial loan origination systems, compares vendors’ offerings and strategies, and awards vendors for their strengths in critical areas.
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