# Powering the Next Generation of Retail and Commercial Banking Retail and commercial banks carry the widest book in the market, often on systems that don't talk to each other. nCino brings disparate lines of business together onto one AI-native platform so teams spend their time on relationships, not rekeying. nCino brings disparate lines of business together onto one AI-native platform so teams spend their time on relationships, not rekeying. --- ## One Intelligent Platform Across Your Entire Book nCino gives retail and commercial banks a connected, AI-native platform that automates manual work, surfaces the insights that matter, and helps teams move faster and serve customers better, all built on years of banking-specific expertise. --- ### Commercial Lending End-to-end lending management spanning origination and underwriting through to portfolio monitoring, on a single AI-powered platform that accelerates deal velocity and manages risk proactively. [Explore Commercial Lending](/solutions/commercial-lending) ### Client Lifecycle Management \(CLM\) Streamline commercial client onboarding from KYC to activation with automated data collection, real-time risk scoring, and built-in AML compliance, cutting onboarding from months to days. [Explore CLM](/solutions/client-lifecycle-management) ### Banking Advisor AI-powered conversational intelligence for every banker: retrieve relationship data, generate risk summaries, automate tasks, and surface insights in real-time through a natural language interface. [Explore Banking Advisor](/banking-advisor) ### Automated Spreading AI-powered extraction and mapping of financial statement data eliminates manual entry, improves accuracy, and gives analysts more time for the credit decisions that matter. [Explore Automated Spreading](/solutions/automated-spreading) ### Continuous Credit Monitoring \(CCM\) Real-time, proactive identification of at-risk loans with AI-powered relationship health alerts and automated risk summaries, before problems escalate. [Explore CCM](/continuous-credit-monitoring) ### Mortgage A fully configurable, AI-native mortgage origination platform that streamlines broker, borrower, and assisted channel journeys from application through offer, in one connected experience. [Explore Mortgage Lending](/mortgage/uki) ### Commercial Real Estate Lending \(CRE\) Enhanced CRE risk management with AI-powered tenancy data extraction, multi-factor stress testing, and single and multi-property projections to support informed lending decisions. [Explore CRE](/solutions/commercial-real-estate) ### Commercial Pricing & Profitability \(CPP\) Embedded pricing and profitability analysis at every stage of the loan lifecycle, enabling relationship managers to price confidently and win deals aligned to your institution's targets. [Explore CPP](/solutions/commercial-pricing-profitability) ### Operations Analytics Pre-built operational dashboards and peer benchmarking that turn your nCino data into actionable insights, helping leadership identify inefficiencies and track performance against industry peers. [Explore Operations Analytics](/operations-analytics) ### SmartBanker Data-driven prospecting and customer acquisition for commercial relationship teams. Search 5 million+ UK and Ireland companies, pre-qualify prospects with configurable screening, and receive engagement signals. [Explore SmartBanker](/solutions/smartbanker) ### ProBanker Near real-time credit intelligence from Credit Reference Agencies including Experian, giving relationship managers and credit teams a total market view of customer risk, cash positions, and multi-bank borrowing exposure across the commercial portfolio. [Explore ProBanker](/solutions/probanker) ### Integration Gateway Purpose-built iPaaS that seamlessly connects core banking systems, fintech partners, CRM platforms, and third-party data sources, eliminating data silos and accelerating time to value. [Explore Integration Gateway](/solutions/integrations) --- **Buy vs. Build** ## The Strategic Guide to Banking AI in 2026 \[61% of banks still build technology in-house\]\(https://datacentre.solutions/news/63869/banks-build-their-own-technology-solutions\), with some \[running on code that's over 50 years old\]\(https://www.finextra.com/blogposting/25733/can-ai-cure-the-curious-case-of-cobol-in-the-finance-indu\). Banks that buy their foundation can get to market in a fraction of the time and cost, freeing resources to focus on serving clients instead of maintaining infrastructure. [Download the Playbook](https://explore.ncino.com/buy-vs-build-whitepaper/) --- ## “nCino experts helped us define the different implementation lots and strategy. During implementation, they've brought experience from other projects to help us choose the right solutions.” Clement Loubeyres, Program Manager at Banque Raiffeisen [Read the Full Story](https://www.ncino.com/en-GB/blog/building-luxembourgs-future-of-digital-lending-banque-raiffeisens-journey-with-ncino) --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)