• Agentic banking innovator nCino has teamed up with Austrian banking cooperative Raiffeisenbankengruppe Oesterreich.
• The financial institution will use nCino as its unified lending platform, supporting the complete financing lifecycle from initial application to final disbursement.
• Founded in 2012 and headquartered in North Carolina, nCino made its Finovate debut at FinovateEurope 2017 in London. Sean Desmond is President and CEO.

Agentic banking platform provider nCino announced a new partnership with Austrian financial institution Raiffeisenbankengruppe Oesterreich. The company, one of the largest cooperative banking institutions in Europe, will use nCino as its unified corporate lending platform to support the entire financing lifecycle, including origination, underwriting, pricing, compliance, and portfolio monitoring.

“Raiffeisenbankengruppe Oesterreich is aware of its responsibility towards society and provides strong momentum for the promotion of the regional economy,” Chairman of the Raiffeisen Kooperationsgenossenschaft, Reinhard Schwendtbauer, said. “Raiffeisen focuses on long-term customer relationships, which are always built on trust—trust between our eight Raiffeisenlandesbanken, our local Raiffeisenbanken, and the communities they serve. nCino gives us the modern foundation to honor the trust of our customers and our responsibility towards them—with a platform designed specifically for how we work.”

The nCino platform spans financing products from current account credit to term loans. The platform’s features include Banking Advisor, an AI chat interface that generates credit memo narratives and application summaries, and standardizes documentation, while Priority Manager tracks file completion. The platform also offers mortgage lenders a multilingual AI chat interface, Mortgage Advisor, that provides 24/7 guidance and Doc Validation that accelerates document collection and classification. Combined, these automation tools help financial institutions lower costs, accelerate speed-to-close, and provide positive borrowing experiences for customers.

“In the DACH region, Raiffeisenbankengruppe Oesterreich is a powerful example of what’s possible when a traditional cooperative banking institution decides to modernize at scale,” nCino Managing Director of EMEA Joaquín de Valenzuela said. “They bring a century of community banking expertise to this partnership and nCino brings the platform and the cooperative banking expertise to help them take it further. We look forward to working alongside their team to bring a new standard of efficiency and innovation to corporate lending across Austria.”

One of Europe’s largest and most complex cooperative banking institutions, Raiffeisenbankengruppe Oesterreich has eight regional Raiffeisenlandesbanken that serve as central financing institutions for 270 local Raiffeisenbanken throughout Austria. The institution has its origins in the Raiffeisen movement in Germany and Austria in the 1880s, which was a cooperative banking initiative based on the ideas of mutual aid, self-help, and community solidarity. The movement was designed to address the financial challenges faced by farmers and others in rural communities, providing them with affordable financial services. Raiffeisenbankengruppe Oesterreich’s international operations are consolidated under Raiffeisen Bank International (RBI), which is owned by Raiffeisenlandesbanken. The group reported assets of €404.5 billion ($445 billion) as of the end of 2024.

Founded in 2012, nCino made its Finovate debut at FinovateEurope 2017 in London. Today the North Carolina-based fintech has more than 2,700 customers around the world—including community banks, credit unions, independent mortgage banks, and other financial services providers. The company’s dual workforce of AI agents and human teams helps financial institutions become more efficient, make more informed decisions, and deliver better outcomes for their customers.

nCino is a publicly traded company on the NASDAQ under the ticker NCNO. The company has a market capitalization of $1.97 billion.

Photo by Pierre Blaché on Unsplash

• Banking solutions provider nCino announced the general availability of ProBanker by FullCircl.
• The new offering, developed in partnership with Experian, gives banks and other financial institutions visibility into credit status, affordability, and liquidity.
• nCino was founded in 2012. The company acquired FullCircl in October 2024.

Less than a year after acquiring Client Lifecycle Intelligence platform FullCircl, banking solutions provider nCino has announced the general availability of ProBanker by FullCircl. Developed in collaboration with fellow Finovate alum Experian and part of a suite of Smart Solutions, ProBanker provides near real-time visibility into commercial credit status, affordability, and liquidity across the UK lending landscape. This enables banks and other financial institutions to follow and observe potential opportunities and risks at both the portfolio and individual level.

“This isn’t theoretical—it’s about solving the fundamental problem every commercial lender faces: How do you assess true customer risk and identify opportunity when you only see part of their financial picture?” nCino Associate Director, Product Management, Immy Tugcu said. “ProBanker represents a timely and transformational capability for both traditional and alternative funding providers looking to improve portfolio performance, retain market share, and meet growing expectations around speed, compliance, and customer experience.”

ProBanker leverages a rich dataset of approximately 18 million UK commercial credit accounts, as well as business current account data beyond the mandated Competition and Markets Authority 9 (CMA9) banks. The solution empowers lenders with a multi-bank, total market view of a customer’s credit exposure, and enables them to track both affordability and liquidity in near real-time. ProBanker helps strengthen portfolio health by spotting early warning signs of financial distress, and enhances customer outcomes through proactive engagement and personalized outreach.

In a statement, nCino noted that, in an initial pilot with a major UK bank, the financial institution observed that ProBanker helped them identify potential credit risks six months earlier on average compared to its current processes. The bank also said ProBanker helped them support customers who were eligible for extended or new funding products.

“In today’s fast-paced and increasingly complex lending environment, real-time, high-quality data and insight are the bedrock of being able to make confident, informed decisions at speed,” said David Gallihawk, Experian UK&I Chief Product Officer, Business Information Services. “ProBanker delivers exactly that. Our collaboration with nCino will bring greater transparency and help modernize lending opportunities, allowing clients to unlock deeper value from their portfolios.”

Founded in 2012, nCino made its Finovate debut at FinovateEurope 2017 in London. The company’s ProBanker with FullCircl launch comes a little over a month after the company announced that Japanese bank group SBI Credit Guarantee Co., Ltd. had gone live with nCino as the platform for its mortgage guarantee business. In May, nCino unveiled a range of new platform enhancements designed to help banks, credit unions, and other financial institutions secure a competitive advantage via intelligence-driven automation.

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