nCino, Inc. is a financial technology company that provides cloud-based software solutions to financial institutions worldwide. Its nCino Platform serves as a comprehensive Bank Operating System, digitizing and automating key processes such as customer onboarding, account opening, loan origination, and lifecycle management for commercial, consumer, small business, and mortgage lending. The platform integrates artificial intelligence and machine learning through offerings like nCino IQ, enabling data analytics, credit risk assessment, regulatory compliance, and actionable insights to enhance operational efficiency and decision-making. nCino caters to a diverse range of clients, including community banks, credit unions, regional banks, enterprise financial institutions, and independent mortgage banks, across North America, Europe, the Middle East, Asia-Pacific, and other regions. By consolidating legacy systems and streamlining workflows, the platform supports improved customer experiences and risk management. Founded in 2011 and headquartered in Wilmington, North Carolina, nCino focuses on subscription-based services supplemented by professional implementation and training.