Events like WFIS bring together decision-makers, industry stakeholders, and regulators in one room. What does a platform like this mean for a company like nCino?
WFIS puts the right people in the same room by bringing together banks that are actively making decisions, regulators who are shaping the environment they’ll operate in, and innovators thinking about what’s possible. For nCino, that combination matters. We’re at a point where technology and AI in financial services are moving from conversation to implementation across Southeast Asia, and the questions being asked in this room — about inclusion, about trust, about what technology should actually deliver — are exactly the questions that should be informing product development. We’re here to listen as much as to share.
Read
WFIS’ central theme this year is financial inclusion. Where does a commercial lending platform like nCino fit when the target borrower might be a rural SME with limited credit history and no formal banking relationship?
Financial inclusion starts with the decision. Getting a borrower through the door matters, but if the institution on the other side doesn’t have the tools to assess them fairly and quickly, access alone isn’t enough. The challenge for SME lenders has never been willingness to lend, it’s been the cost and complexity of doing it well. When underwriting a small loan requires the same manual effort as a large one, the economics don’t work.
nCino changes that equation by digitising how institutions collect and assess borrower information, we make it viable to say yes to a borrower they would have had to turn away before.
Read
nCino has cited onboarding time reduced from months to days, and document processing reduced by 74%. What does that performance look like in a market like Vietnam, where legacy systems and manual workflows are still dominant?
The metrics speak to what becomes possible when you remove the friction. In institutions that still rely on paper-heavy processes and manual credit workflows, compressing onboarding from months to days is a fundamental shift in what a bank can do. A team that previously spent weeks processing a commercial loan application can now make that decision in days, serve more customers with the same headcount, and go after segments — like SMEs — that were simply uneconomical to underwrite before.
Read
You recently launched Digital Partners — role-based AI agents for banking. Can you walk us through a use case where one of these agents delivers measurable impact for a bank?
Take credit analysis. A relationship manager traditionally spends two days to a full week on a single commercial relationship review. The Analyst Digital Partner handles that work autonomously — cutting that effort by 60–70%. Credit teams cover significantly more ground without adding headcount. And because it works through Banking Advisor, nCino’s unified conversational interface, bankers don’t navigate to a separate AI tool — they ask a question in natural language and the work happens in the background.
Read
nCino was one of the first to bring cloud banking to financial institutions. Today it’s a publicly listed global platform serving some of the world’s largest financial institutions. What does that journey tell us about the problem you set out to solve?
Over fourteen years ago, nCino was built inside a community bank that had run out of patience with fragmented systems and manual handoffs. What began as an internal solution became a publicly listed global platform serving over 2,700 customers; because the problem was never unique to one bank. Banking everywhere ran on disconnected workflows, and no one had stepped back to ask whether the process itself made sense. At nCino, we believed connecting people, data, and decisions on a single platform would change not just how banks operate, but what they’re capable of. The scale of adoption is the clearest proof we were solving the right problem.
Read
