End-to-End Solution

Created by bankers for bankers, nCino's Bank Operating System enables financial institutions of all sizes to succeed in today's competitive environment.

A Revolutionary Bank Operating System

As a secure cloud-based solution, the nCino Bank Operating System empowers bank employees and leaders with true insight into the bank through an end-to-end solution combining customer relationship management (CRM), loan origination, workflow, enterprise content management, and instant reporting capabilities. nCino integrates with the bank's core and transactional systems, while replacing point solutions and manual-based processes. Designed by bankers who understand how financial institutions operate, nCino delivers ROI by:

  • Driving revenue growth and efficiency
  • Expanding customer relationships
  • Improving regulatory compliance
  • Enabling data analytics and business intelligence
  • Attracting and retaining top talent
  • Delivering a true competitive advantage
nCino Value
nCino delivers significant ROI to banks and their stakeholders.
nCino Features
nCino's features increase a bank's profitability, productivity and regulatory compliance.
Overview Video
Learn more about the nCino Bank Operating System in this two-minute video.
How It Works
nCino's Bank Operating System is a comprehensive solution built on Salesforce's secure cloud-based platform.
Expected ROI
See what nCino can do for your bank's bottom line.
nCino Integrations
nCino integrates with core systems, as well as third-party applications to become the single source of truth.

End-to-End Bank Operating System

nCino's Bank Operating System facilitates a seamless and secure interaction between employees and customers that works effortlessly across business lines and departments, providing bankers with a single, efficient way to digitally operate their institution.

Commercial
Banking
Small Business Lending
Retail Sales & Service
Treasury Management Sales & Onboarding
Customer Engagement
Commercial Banking
Customers expect a high level of personal service across their financial institution, yet many institutions struggle to keep up. Multiple business lines engage with the same customer using disparate technologies that don't communicate or integrate, leading to duplicate data entry and inefficient processes. nCino's Commercial Banking Solution drives intelligent automation into every corner of the financial institution. Through a single platform, institutions have the power to manage all aspects of the commercial banking process from onboarding to account opening to treasury management services, to loan origination and approval, while providing quality control along the way. From start to finish, nCino makes it easy for institutions to provide the level of personal service customers expect while generating more loans, reducing costs and ultimately driving more revenue for the bank. The Commercial Banking Solution provides:
  • A 100% paperless environment
  • Increase in staff productivity with automated workflow
  • Greater operational efficiency and reduced costs
  • Increase in regulatory compliance
  • Higher loan volume and decreased loan closing times
Small Business Lending
Small businesses are a fundamental part of the U.S. economy. While the ability to borrow capital is essential to the growth of these businesses, small business loans often take the same amount of time to originate and maintain. They also tend to be riskier and yield less revenue compared to larger loans. nCino's Small Business Lending Solution enables financial institutions to leverage technology to overcome the challenges of lending to small businesses. With a single, secure, cloud-based platform nCino unites key steps in the lending process from online application through underwriting and automated decisioning, document preparation, closing and e-signature. Institutions can mitigate risk, reduce time to fund (from weeks to days, hours and minutes) and create an exceptional customer experience leading to lasting and profitable relationships. Using nCino's solution, institutions:
  • Increase profitability of small business loans
  • Compete with new entrants to the market
  • Reduce turnaround time for loan decisions
  • Make more informed, timely and quality decisions
  • Reduce customer opportunity costs
Retail Sales & Service
The regulatory environment, financial service channels and customer behaviors and expectations are continually evolving. nCino's Retail Sales and Service Solution digitally transforms retail banking to improve how financial institutions interact with and serve retail and small business customers. nCino provides institutions with a single mobile-enabled platform for account opening and retail loan origination that allows bankers to engage with customers in the branch and out in the field, increasing customer satisfaction and loyalty. Through an intelligent and powerful cloud-based solution that optimizes business processes, institutions and their customers interact on the same platform. This means institutions can quickly respond to opportunities and regulatory changes as well as increase wallet share with:
  • Quick and efficient new customer onboarding
  • Superior customer relationship management and a 360° view of the customer
  • Intuitive account opening processes for multiple lines of business
  • A seamless retail lending experience that supports customer interactions and back office tasks
  • Dynamic CIP collection and KYC automation with flexible reporting tools
Treasury Management Sales & Onboarding
In today's transaction banking environment, differentiation in treasury management product and service delivery is a key factor in delivering value. Treasury management services offer financial institutions an opportunity to serve the entire commercial relationship and increase non-interest income. By streamlining the treasury process through automation, institutions can effectively engage the customer and gain a competitive advantage. nCino's Treasury Management Sales and Onboarding Solution leverages technology to reduce manual tasks and provide visibility to every stakeholder at each stage of the treasury process. From the initial sale through implementation and servicing the solution increases customer satisfaction and enables institutions to exceed their complex commercial transaction goals. The Treasury Management Onboarding and Sales Solution provides:
  • Automated, configurable workflows
  • Efficient onboarding and account opening
  • Global view of the customer relationship
  • Reminders, alerts and dashboard analytics
  • Increased transparency into the process
Customer Engagement
In the past, banks interacted with customers and prospects in a limited number of ways. However, in today's fast-paced, digitally-connected world, banks must be prepared to interact with anyone, anywhere and at any time. nCino's Customer Engagement Solution enables financial institutions to exceed customer expectations, build stronger relationships and deliver a customer-centric digital experience through a single platform. Customers can access a state-of-the-art portal that gives them a digital channel to apply for products and services, a 24/7 gateway to information regarding the status of their loans and the ability to easily upload required documentation. nCino marries innovative technology with powerful capabilities, allowing financial institutions to successfully engage with customers in a way that is seamless, modern and transparent. The solution enables institutions to:
  • Supply a personalized customer experience
  • Boost customer loyalty and revenue
  • Provide greater transparency for your customers
  • Increase and streamline customer engagement
  • Offer a convenient and digital application experience