# Onboard Smarter, Grow Faster
**Solutions**

Turn weeks of manual verification into one streamlined journey, driven by data. Build trust from the first step, get clients to their products sooner, and support compliance at scale.  

Cut commercial onboarding from weeks to one streamlined, data-driven journey. Verify identity faster, support KYC/KYB at scale, and impress clients early.


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## Clients don’t come to your institution to onboard. They come for the products. 

Onboarding a commercial client takes 49 days and costs $14,700 per client* on average, all before the relationship earns a dollar. And for consumers and small businesses, quick digital access is the expectation. The clients you work hard to win feel onboarding friction at the exact moment you need to impress them. 

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## Onboarding Featured Stats
- **$15.9M  spent per year, on average, on managing onboarding overall* **
- **$3M  in revenue potential by reducing time to onboard by just 20% \(~10 days\)***
- **66% of clients have to provide the same information more than once***

_Source: Celent, Transform Commercial Onboarding into Your Competitive Advantage, September 2025. Commissioned by nCino_

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## One Connected Onboarding Process Built for Any Client

nCino offers a dynamic journey — simplified for a consumer, and able to scale to the complexity of a commercial client. Steps run in one connected process, so onboarding moves faster and the relationship starts earning sooner.
### Capture Once 
Information is captured a single time, digitally or in-branch, and pre-populated from data you already hold. Related parties and beneficial owners contribute in their own flow, in real time, for better collaboration and less duplicate work. 
### Verify in Real Time
Identities are verified as information comes in. A consumer is verified in seconds, while legal hierarchies and ownership structures for commercial clients map automatically so the right parties get screened.  
### Compliance Built In
Compliance scales with growth instead of slowing you down. KYC, KYB, and AML checks run inside the workflow, sized to who you're onboarding — a single identity or a full ownership hierarchy — with audit-ready records throughout.

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## Customers on the nCino Platform have seen:
- **71%  decrease in commercial onboarding time **
- **94% improvement in average commercial onboarding case time \(from 200 minutes to eight\)**
- **288% increase in completed online applications \(18% to 70%\)**

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## **Great Onboarding Wins Clients**

**Onboarding is a driver for growth, not just a cost of doing business.** Leading banks treat it as the first, best chance to show a client what the rest of the relationship will feel like. It’s where **lifetime value begins.**

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## For Complex Onboarding

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## For Low-to-No Friction Onboarding

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