Commanding the Cloud: nCino is Re-conceptualizing the DNA of Modern Banking

In an era where speed, intelligence, and digital agility dictate industry success, nCino stands at the intersection of innovation and trust. Founded in 2011 by a team of bankers and entrepreneurs, the company recognized early on that banking needed more than incremental upgrades—it required reinvention. Today, nCino is transforming how over 1,850 financial institutions across the globe operate, manage risk, and serve their clients. From the United States to Europe, from community banks to major international players like Barclays and Santander, nCino's impact is both broad and deep. At its core, nCino offers a cloud-based banking operating system that reengineers critical processes such as loan origination, account onboarding, compliance, and credit portfolio management. These aren’t just incremental enhancements. They are end-to-end digital workflows that bring transparency, speed, and efficiency into the DNA of financial institutions. Unlike many fintech firms that come from outside the financial sphere, nCino was born inside it. The original platform was developed in-house at a leading small business lending institution. That legacy gives the company an intimate understanding of the pain points banker’s face—from siloed data and disjointed systems to regulatory complexity and sluggish service delivery. This insider knowledge shaped a platform that integrates seamlessly with core banking systems while enabling complete digitization. With deep configuration capabilities and embedded intelligence, the nCino platform allows users to manage entire client lifecycles—from the first interaction to the last payment—through a single pane of glass. Today, the company is led by President and CEO Sean Desmond, who brings a refined focus on scaling innovation and fostering deep client relationships. Under his leadership, nCino is not just building technology—its building trust.

Delivering Measurable Transformation

For financial institutions, digitization isn't just about modernization—it's a mandate for survival. What sets nCino apart is its relentless focus on outcomes. Institutions using its platform report a 54% faster commercial loan origination process, a 12% increase in account opening rates, and significant boosts in operational resilience. Whether it's streamlining consumer and mortgage banking, enhancing treasury management, or automating regulatory compliance, nCino delivers proven ROI. The company’s global customer base includes giants like Navy Federal Credit Union and Allied Irish Banks, all seeking the same thing: to stay ahead of the curve in an industry being reshaped by technology and changing expectations.

Strategic Growth through Smart Acquisitions

nCino’s acquisition of Sandbox Banking marks a pivotal move in its ongoing mission to build a connected ecosystem for financial institutions. The integration brings stronger data connectivity between banks and their back-end systems, closing the gap between siloed functions and real-time responsiveness. It’s a signal of the company’s broader ambition—to not only digitize banking but to unify it. With offices in financial capitals such as London, Tokyo, and Sydney, and a robust presence in North America, nCino is positioning itself as a truly global cloud banking leader. Its expanding geographic footprint supports its promise to deliver local expertise with a global lens, helping institutions navigate complex regulatory landscapes and shifting customer demands.

A Culture of Innovation and Integrity

nCino’s internal culture is as pivotal to its success as its technology. With over 1,650 employees worldwide, the company fosters a high-performance environment grounded in innovation, integrity, and empathy. It has been recognized as the #1 Best Place to Work in Financial Technology by American Banker and has appeared on the Forbes Cloud 100 list twice—an affirmation of its cultural and technological leadership. Its values aren’t just lip service. Every feature built, every customer on boarded, and every product updated is guided by a commitment to improve human experiences—be it that of a loan officer, an IT administrator, or a small business owner.

Looking Ahead: A Platform for the Next Era of Banking

As banks face mounting pressure to modernize, reduce costs, and improve customer satisfaction, nCino is positioned not just as a service provider but as a strategic partner. Its unified platform aligns with the realities of today’s banking demands while anticipating the needs of tomorrow’s customers. With an eye on scalable innovation and sustainable value creation, nCino continues to shape the future of banking—one intelligent workflow at a time.

Sean Desmond, President and Chief Executive Officer

“nCino doesn’t just digitize banking—it redefines it. By merging cloud agility with deep financial expertise, it empowers institutions to lead with intelligence, act with speed, and grow with confidence.”