Thought Leadership White Papers

nCino white papers cover a variety of key industry trends and topics, providing important data and research, as well as best practices for financial institutions.
Banking in A Digital World
Banking in A Digital World
In this white paper, we will offer a guide to successfully create an experience known as digital engagement, which allows a bank the opportunity to re-imagine what the customer journey can be.
Next Generation SBA Lending
Next Generation SBA Lending
In this white paper, we will offer a view of the SBA, its loan programs and their benefits, as well as the value that participation provides to financial institutions. Additionally, this paper will help institutions understand the technology currently available to ensure efficiency, quality and growth when building an SBA 7(a) loan portfolio.
Integrated Credit Analysis
Integrated Credit Analysis
In this white paper, we offer a guide to help banks compete effectively in today's commercial and small business lending markets, including how to embrace technology to make faster decisions, meet their customers' increasingly demanding service expectations and streamline their internal workflow efficiencies.
The Millennial Revolution
The Millennial Revolution
In this white paper, we will discuss why the challenge of adapting to millennials has thus far been difficult for banks. We will then describe the most important strategic priorities for banks to begin the process for developing their own next-generation corporate cultures and digital engagement experience for the millennial customer and employee.
Bank M&A in the Cloud
Bank M&A in the Cloud
In this white paper, we will drill down to the root causes of most bank merger headaches, and demonstrate how selection of the right technology system can help your bank realize return on investment and true shareholder value through your merger and acquisition strategy.
Treasury Management
Treasury Management
In this white paper, we offer a guide to understanding treasury’s value to the financial institution, common challenges faced during the treasury process, and how the right combination of onboarding tactics and technology can lead to measurable straight-through processing results and accelerate time to revenue.
Buy Versus Build
Buy Versus Build
In this white paper, we will present the key factors for a management team to consider when evaluating the buy versus build decision, describe the reality of building a system in-house and discuss how modern third-party solutions can meet the needs of even the largest and most complex financial institutions.
NCUA's New MBL Rule
NCUA's New MBL Rule
In this white paper, we will highlight the most impactful changes and explain how they will affect your credit union's business lending program. As well as, recommendations for how you can make the most of this opportunity through streamlined commercial lending processes, efficient risk management and enhanced portfolio monitoring.
Reimagining CUSOs
Reimagining CUSOs
In this white paper, we will discuss specific challenges and opportunities facing CUSO's and credit unions as well as provide solutions, which will help CUSO's achieve efficiency, cost savings and sustainable success.
Bank Efficiency
Bank Efficiency
In this white paper, we will explore how leading institutions are investing in ways to improve efficiency, and simultaneously boosting profits and lowering their risk profiles. We will present proven strategic and tactical practices that banks can deploy today to stay ahead of the curve.
Peer Lending Threat
Peer Lending Threat
In this white paper, we will examine peer-to-peer lending, describe how their business models are evolving, and discuss how banks have thus far responded and, going forward, how banks can differentiate themselves and out compete these disruptive lending models.
Cybersecurity Risks
Cybersecurity Risks
In this white paper, we will discuss the current cybersecurity landscape, share a watch list of risks that keep information security experts up at night, and explain why a cloud-based, consolidated technology platform is a safer alternative to multiple on-premise legacy systems.
Customer Trust
Customer Trust
In this white paper, we will discuss upgrading to a modern, collaborative credit file process that empowers employees and clients and allows the bank to build trust with clients, grow assets and revenue, and increase profits.
Data Integration
Data Integration
In this white paper we will describe how big data analytics and data integrations can easily and inexpensively integrate a bank's data into a single source of truth. With all of an institution's data in one place, thanks to data integrations and data analytics, management can have a single system to operate the entire bank.
Mobile Banking
Mobile Banking
In this white paper, we will describe the concept of mobile bank operating systems and provide a look at how this technology platform empowers banks to provide customers with "old fashioned relationship banking" in a modern way.
Member Business Lending
Member Business Lending
In this white paper, we will explore some best practices for credit unions seeking to start up or expand their small business lending programs, including understanding your members' needs, hiring experienced staff and leveraging the use of technology to reduce loan cycle times and help manage risk.
Cloud Banking
Cloud Banking
In this white paper, we will offer an in-depth guide to understanding cloud banking and why this technology is changing the way banks operate. We will explore the benefits these systems offer from better data security and operational efficiency, to more effective regulatory compliance and mobile access.
Credit Union Regulation
Credit Union Regulation
In this white paper, we will explore the current regulatory landscape and the more profound changes (member business lending, risk-based capital, field of membership, Dodd-Frank/CFPB) impacting credit unions. This paper will also discusses how credit unions may best manage the growing compliance and regulatory burden through the advent of emerging technologies.
Regulatory Exams
Regulatory Exams
In this white paper, we will addresses the current regulatory environment and challenging examination process and offer a framework that can lead to zero downgrades and increases of 25% or more to a bank's ROA and efficiency ratio.
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