Bank Operating System®

The nCino Bank Operating System transforms the way financial institutions (FIs) operate, and interact with their clients across commercial, small business, and retail banking. nCino allows FIs to provide a personalized digital experience over the course of end-to-end financial journeys from onboarding, account opening, loan origination, data-driven insights and analytics spanning all lines of business and channels. nCino streamlines employee, client, and third-party interactions. Resulting in increasing data optimization, profitability, efficiency, transparency, and regulatory compliance across a financial institution.

Data is at the center of FI daily operations. The value within an institution's data is significant, but lingering analog processes and siloed data create limitations on the value FIs can realize. The challenge facing FIs today, is unlocking the full value of data. FIs must be able to analyze data in real-time and deploy the knowledge it provides throughout the entire organization for product development, improvements to back-office operations, and enhancing personalized experiences. Proper utilization of data drives growth and delivers the digital client experience required to grow relationships in the digital era. The nCino platform digitizes documents and digitalizes processes to increase transparency in data and creates an open ecosystem by operating as a data hub that connects and interacts with the FIs core banking data, CRM data, data lakes, customer financial data, third-party industry data, and APIs. This allows FIs to remove silos in their data and scale the application of data across the organization.

nCino's platform services define, connect, and streamline key workflows and functionality across the front, middle, and back offices of a financial institution. From client onboarding, account opening, and loan origination to document management, lifecycle management, and business intelligence. FIs are equipped with the capabilities needed to serve their clients across all channels, from any device at any time. Automated workflows, checklists, risk management tools, and real-time analytics increase efficiency when onboarding and throughout the origination process from application, to underwriting, adjudication, document preparation, and closing. Customers are served a faster, more transparent, and personalized experience at every stage of their journey.

As processes becomes more connected and digital more data is created and available. The challenge of drawing actionable insights from the data grows. nCino IQ (nIQ) supercharges the nCino platform by leveraging artificial intelligence (AI), machine learning, and analytics to transform data into intelligence. nIQ uses optical character recognition technology to automate information gathering procedures, reducing manual entry, and transforming data into direct business value. By combining newly available data from digitization, comprehensive industry data, and machine learning models, nIQ calculates and delivers credit risk and profitability insights to the right banker at the right time. With nIQ, the nCino platform delivers the right insights to the right stakeholder, at the point of decision production, ensuring optimized decision making and service. By embedding intelligence into each process and decision, nCino empowers FIs to accelerate revenue growth, improve operational efficiency, and build personalized powerful customer experiences.

With a single platform for data, services, and intelligence, it becomes possible to efficiently operate across FI Commercial, Small Business, Retail, and Mortgage lines of business. Financial institutions streamline processes, create a more consistent experience across channels, and leverage the same data and information across the entire organization. This unified experience increases efficiency, drives revenue growth, improves regulatory compliance, and expands customer relationships. No matter what business a customer has with a financial institution they will receive a seamless, intuitive, consistent, and personalized experience across channels which is key to driving satisfaction and retention.

As technology has evolved, so has the way customers bank and expect to interact with their financial institutions. With customers accessing and managing accounts and services from anywhere, at any time, their experience doesn't begin once they plan to make a transaction. It begins at the research stage, as they factor in their budget, if they need a loan, if they want financial management advice, if they want or need to start a business or open a new account. They want their financial institution embedded into the process, helping make it as seamless and easy as possible, and when necessary, they want timely interactions and advice. FIs that can equip their organization and staff with the tools necessary to be partners at each step of their customers' journey in any financial situation are set up to thrive in a quickly evolving banking environment.