nCino, Inc.

Presentation

nCino is a global financial technology company providing a cloud-based Bank Operating System designed to help financial institutions modernise and automate their operations. Founded in 2011, the company enables banks, credit unions, and mortgage lenders to streamline customer onboarding, lending, account opening, portfolio management, and compliance processes through a unified digital platform.

Problem solved

Financial institutions often rely on fragmented legacy systems, manual workflows, and siloed data across onboarding, lending, and account management processes.
nCino addresses these challenges by replacing disconnected systems with a single cloud-based platform that digitises and automates end-to-end banking operations.

Its solution enables financial institutions to accelerate loan origination, improve risk management, strengthen regulatory compliance, and deliver enhanced customer experiences.

What makes the solution unique

nCino is the only platform natively built on Salesforce that combines CRM, loan origination, automated credit analysis, continuous credit monitoring, account opening, and portfolio analytics into a unified Bank Operating System.

Its embedded AI layer, nIQ, automates financial spreading, document verification, and decision-making processes. In addition, nCino Banking Advisor acts as an AI co-pilot for bankers, while Digital Partners provide role-based AI agents specifically designed for banking workflows.

With more than 14 years of financial data powering its models, nCino delivers deep banking expertise and domain-specific intelligence that differentiates it from horizontal or point solutions.

Key highlights include:

• Unified cloud-native Bank Operating System built on Salesforce
• AI-powered automation for financial spreading, document intelligence, and predictive analytics
• Real-time portfolio monitoring and early-warning risk signals
• Native integrations with banking systems, credit bureaus, and third-party providers
• Role-based AI agents designed specifically for banking operations

Benefits for customers

Financial benefits

• Up to 75% reduction in financial spreading time
• Faster loan decisioning, reducing processes from weeks to days
• Increased loan portfolio revenue through improved productivity and pipeline visibility
• Reduced IT complexity and lower total cost of ownership through platform consolidation

Non-financial benefits

• Enhanced regulatory compliance with EBA, DORA, CSSF, and prudential requirements
• Improved risk management through continuous portfolio monitoring
• Better borrower and client experience through digital self-service capabilities
• Streamlined and standardised banking operations across teams and business lines

Technology used

nCino’s platform is built on a cloud-native architecture powered by Salesforce technologies and advanced artificial intelligence capabilities.

Key technologies include:

• Salesforce Financial Services Cloud and Force.com platform
• Artificial intelligence and machine learning through nIQ
• Automated spreading and document intelligence
• Predictive analytics and decision support tools
• Salesforce Hyperforce infrastructure hosted on AWS
• RESTful APIs and native integrations with core banking systems and external data providers

Current customers and footprint

nCino serves more than 2,700 financial institutions globally, including major international banks, community banks, credit unions, and independent mortgage lenders.

Notable customers include:

• TD Bank
• Truist Financial
• Santander
• Banque Raiffeisen (Luxembourg)
• ABN AMRO
• Raiffeisen Landesbank

The company also collaborates with strategic partners such as Accenture, Deloitte Digital, PwC, and Salesforce.

nCino employs approximately 1,700 employees across six continents and operates internationally through offices in:

• London
• Paris
• Madrid
• Sydney
• Toronto
• Salt Lake City
• Auckland
• Japan (joint venture)

CEO / Leadership

Sean Desmond – CEO
Email: Sean.Desmond@ncino.com
Phone: +1-888-676-2466
LinkedIn: linkedin.com/in/sean-desmond-966160

Pierre Naudé – Founder & Executive Chairman
LinkedIn: linkedin.com/in/pierrenaude