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nCino Bank Operating System from nCino
A robust platform that integrates with various banking services for corporate banking, streamlining processes, improving loan management, and enhancing customer relationship management with automated workflows.
Product analysis by function
Electronic Banking for Businesses for Corporate Banking
Digital platforms that allow corporate clients to manage their banking relationships and perform transactions online.
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Account Management
(8 Yes /8 Known /10 Possible features)
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Multi-Account Support Ability to manage multiple business accounts within a single platform. |
nCino supports multi-account structures for complex clients, as noted in solution briefs and banking implementations. | |
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Real-Time Balance Update Provides up-to-date account balances instantly. |
Product highlights and demo videos confirm real-time balance updates as part of dashboarding. | |
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Transaction History Depth Depth of historical transactions accessible through the platform. |
No information available | |
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Account Statements Download Ability to download official statements for audit and reconciliation. |
Statement download for clients is included as standard for corporate banking portals. | |
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Custom Account Grouping Allows businesses to group, label, or categorize accounts for easy management. |
Custom account grouping mentioned in platform configurability and reporting features. | |
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Search & Filter Transactions Advanced search and filtering for transactions based on amount, date, or description. |
Advanced search/filter for corporate transaction history referenced in platform materials. | |
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Account Alias Customization Ability to assign custom names or aliases to accounts. |
Account aliasing is common for large corporate clients and appears in implementation guides. | |
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Multiple Currency Support Handles accounts in multiple currencies. |
Multi-currency support shown as part of nCino's international banking capabilities. | |
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Balance Sweep Configuration Automated transfers based on preset rules to optimize account balances. |
No information available | |
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Account Reconciliation Tools Integrated tools to support reconciliation of accounts with ERP or other back-office systems. |
Integration with ERP/back office and reconciliation tools described in solution overviews. |
Payments and Transfers
(12 Yes /12 Known /13 Possible features)
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Bulk Payment Processing Ability to upload and process multiple payments in a single operation. |
Bulk and batch payment processing is a standard feature in corporate banking modules. | |
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Domestic Wire Transfers Support for making domestic (in-country) wire transfers. |
Domestic wire transfers supported according to product scope for US banks. | |
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International Wire Transfers Support for cross-border payments in multiple currencies. |
International/multicurrency wire support mentioned in international banking scenarios. | |
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Payment Approvals Workflow Configurable workflows for multi-tier payment approvals. |
Role and approval workflow configuration is detailed in nCino process automation documents. | |
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Payment Templates Storing and reusing payment instructions for recurring vendors. |
Payment templates for recurring vendors are referenced in payment module documentation. | |
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ACH/SEPA Payments Ability to initiate Automated Clearing House (ACH) or Single Euro Payments Area (SEPA) payments. |
ACH and SEPA payment mechanisms supported; product documentation mentions both. | |
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Payment Cut-off Time Deadline each day for submitting payments for same-day processing. |
No information available | |
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Payment Status Tracking Monitoring and tracking the status of submitted payments. |
Payment tracking (initiated, confirmed, failed) visible in transaction lists. | |
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Dual Authorization Enforcement Requirement for two or more users to approve high-value or sensitive payments. |
Dual/multi-level authorization is included for security on high-value transactions. | |
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Beneficiary Management Add, edit, and manage beneficiary information for payments and transfers. |
Beneficiary management functionality (edit, add, approval) is part of payment workflows. | |
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Standing Orders Setting up recurring payments at defined intervals. |
Recurring payment/standing order creation described in payment automation guides. | |
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Intra-company Fund Transfers Transfers between accounts held by the same corporate entity. |
Internal account fund transfer capability is referenced across implementation guides. | |
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Payment File Import Capability Upload of payment instruction files in various formats (CSV, XML, etc.). |
Payment file import (CSV/XML) supported for bulk payables. |
User and Access Management
(7 Yes /7 Known /10 Possible features)
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Role-Based Access Control (RBAC) Ability to assign users to roles with different access privileges. |
RBAC and granular permission control described as part of user management. | |
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User Activity Logs Detailed records of user activity for monitoring and auditing. |
Audit trail/user activity logging included as part of compliance functionality. | |
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Custom Permission Sets Customizable permissions for various banking functionalities. |
User and permission customization is referenced in admin documentation. | |
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User Creation/Deletion Tools to add or remove user access efficiently. |
Creation and deletion of users possible from both UI and API. | |
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Access Expiry Ability to set temporary access or automatic expiry for certain users. |
No information available | |
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Segregation of Duties Enforces separation between transaction initiators and approvers. |
Segregation of duties enforced through permission assignment and workflow. | |
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Concurrent Session Limits Maximum number of devices/sessions allowed per user. |
No information available | |
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User Access Review Periodic reviews and re-certification of user access rights. |
No information available | |
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API-based User Management APIs for automating user provisioning and de-provisioning. |
User provisioning and management are accessible through APIs as part of enterprise integrations. | |
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Customizable User Alerts Alerts based on login, attempted access, and user activity exceptions. |
Configurable user alerts for login/activity events available in user settings. |
Security
(5 Yes /5 Known /10 Possible features)
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Multi-Factor Authentication (MFA) Requirement for multiple authentication factors for login or sensitive actions. |
Multi-factor authentication is promoted as a standard security layer. | |
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Data Encryption At-Rest and In-Transit Encryption of all stored and transmitted sensitive information. |
Encryption at-rest and in-transit required by banking regulations and called out in security whitepapers. | |
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Device Registration/Whitelisting Restrict access to client-approved devices only. |
No information available | |
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IP Whitelisting Allow access only from approved corporate IP ranges. |
No information available | |
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Automatic Session Timeout Auto-log-off after defined period of user inactivity. |
No information available | |
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Real-Time Fraud Monitoring Automated engine to detect and alert on potentially fraudulent transactions. |
Real-time fraud monitoring is part of the risk and compliance tools and interfaces with bank fraud systems. | |
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Digital Certificates Support for digital certificates for client and server authentication. |
Digital certificates supported for secure customer authentication. | |
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Biometric Authentication Supports use of fingerprint or face recognition for authentication. |
No information available | |
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Transaction Limits per User/Day Ability to set daily or per-transaction caps. |
No information available | |
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Audit Logs Tamper Protection Logs are secured to prevent unauthorized changes. |
Audit logs are tamper-protected for compliance, as referenced in SOC2 readiness materials. |
Integration Capabilities
(9 Yes /9 Known /10 Possible features)
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API Availability RESTful or SOAP APIs enabling external integrations. |
RESTful API access is a major selling point for the nCino platform. | |
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ERP Integration Seamless connection with Enterprise Resource Planning (ERP) systems. |
ERP integrations are regularly cited in sales case studies and technical integration documentation. | |
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Batch File Upload/Download Support for batch processing via file uploads and downloads. |
Batch file upload/download is enabled for bulk processing use-cases. | |
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Format Flexibility (MT940, CSV, XML) Support for multiple data formats required by corporates. |
Format support (CSV, XML, MT940, etc.) included in integration features. | |
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Webhooks/Event Notification Real-time event notifications to external systems. |
Webhooks and event notifications supported by API layer; referenced in developer documentation. | |
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Single Sign-On (SSO) Integration with enterprise identity providers for authentication. |
SSO integrations with Active Directory/identity provider documented in corporate banking setup. | |
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Custom Connector Support Ability to build custom connectors for non-standard integrations. |
Custom connectors enabled for bank-specific or legacy system integrations. | |
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Open Banking Compliance (PSD2/other) Compliance with relevant open banking regulations/standards. |
Open Banking (PSD2) support for European banks referenced in product regulatory section. | |
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API Rate Limit Maximum number of permitted API calls per time window. |
No information available | |
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Developer Documentation Availability Comprehensive documentation for implementing and supporting integrations. |
Product documentation includes comprehensive developer documentation. |
Reporting and Analytics
(7 Yes /7 Known /10 Possible features)
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Custom Report Builder Create and save custom reports based on user-defined criteria. |
Custom report builder is a frequently promoted analytics feature. | |
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Scheduled Report Delivery Automate delivery of reports via email or direct download. |
No information available | |
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Real-Time Data Visualization Dashboards and charts displaying key financial metrics in real time. |
Real-time dashboards and visualization demoed in nCino's front-end solutions. | |
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Export to Multiple Formats Ability to export reports to PDF, Excel, or CSV. |
Multiple report export options available from the analytics/reporting suite. | |
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Drill-Down Analytics Interactive exploration of summary data down to transaction level. |
Drill-down into analytics and transaction detail shown in demo videos. | |
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Trend Analysis Tools Visualization and analysis of historical trends in balances, payments, etc. |
Trend analysis features are presented as part of cash flow and financial dashboarding. | |
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Scheduled Data Retention Automatic purging or archiving of historical reports and data. |
No information available | |
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KPI Tracking Define and monitor business-specific Key Performance Indicators. |
KPI dashboards and custom metric tracking supported in core ESG and analytics modules. | |
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Anomaly Detection Alerts Automated notification of unusual account or payment activity. |
Anomaly detection and alerting for payments/account activity exists as fraud/AML alert features. | |
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API Access to Reports Programmatic retrieval of report data via APIs. |
No information available |
User Experience and Accessibility
(8 Yes /8 Known /10 Possible features)
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Multi-Language Support Platform available in multiple languages. |
Multi-language interface options referenced in global rollout documentation. | |
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Responsive Web Design Optimized for desktops, tablets, and mobile devices. |
Responsive design for desktop, mobile, and tablet views highlighted in product overviews. | |
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Accessible Design (WCAG Compliance) Meets accessibility standards for users with disabilities. |
No information available | |
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Customizable Dashboard Users can personalize dashboard layout and content. |
Dashboard customization by user roles/corporate client possible (admin screens). | |
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Task Shortcuts & Favorites Frequently used actions can be marked for quick access. |
Shortcuts/favorites supported for common tasks as part of user productivity features. | |
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Guided Tours/Tutorials Interactive onboarding and help features for new users. |
Onboarding/tutorials offered for new users based on release notes and training material. | |
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Consistent UI/UX Standards Uniform design across all platform modules/pages. |
Centralized UI/UX guidelines followed as part of front-end and mobile design. | |
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Mobile Application Availability Native android/iOS apps for secure banking on the go. |
Mobile app availability for banking users described in app store listings and support docs. | |
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Session Continuity Session seamlessly persists across multiple devices/browsers. |
Session continuity is a promoted feature when switching between devices. | |
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Offline Access to Data Access to selected information even without internet connection. |
No information available |
Audit and Compliance
(9 Yes /9 Known /10 Possible features)
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Comprehensive Audit Trail Immutable records of all actions within the system. |
Audit trails are displayed for all material actions (regulatory/compliance feature). | |
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Regulatory Reporting Tools Prebuilt templates for compliance reporting (e.g., KYC, AML). |
Regulatory/AML reporting prebuilt, e.g., BSA/AML forms, referenced in compliance modules. | |
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Data Retention Policy Management Configuration of how long customer data is retained. |
Data retention policies and configuration screens in admin settings. | |
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User Consent Management Tracking and managing user/client data sharing consents. |
User consent management is addressed in GDPR and privacy compliance documentation. | |
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Change Management Tracking Logs for all configuration changes to the platform. |
Change management tracking for audit/review is standard for banking compliance. | |
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Exportable Audit Logs Audit logs can be downloaded for external review. |
Export of audit logs for compliance reviews mentioned in audit documentation. | |
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Time-Stamped Event Logging All events are recorded with precise time stamps. |
Precise timestamping a requirement for banking system logs, and is referenced in compliance docs. | |
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Retention of Deleted Data Soft deletion and retention of deleted items for a defined period. |
No information available | |
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Automated Alerting for Compliance Violations Auto alerts when actions violate compliance rules. |
Automated alerting for compliance triggers/violations as part of risk/AML monitoring. | |
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Regulatory Certification (ISO, SOC2, etc.) Platform compliance with recognized security and industry standards. |
Certifications such as SOC2 and ISO mentioned on ncino.com and in customer documentation. |
Notifications and Alerts
(4 Yes /4 Known /10 Possible features)
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Customizable Alert Rules Users can define event triggers and notification settings. |
Custom alert rules for events/notifications documented in workflow customization. | |
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Multi-Channel Communication Notifications delivered via email, SMS, or in-app channels. |
Multi-channel (SMS, email, in-app) notification coverage in help and solution documentation. | |
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Real-Time Alerts Immediate notification for high-priority events. |
Real-time alerts for critical events enabled for both users and admins. | |
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Daily Summary Notifications Automated digest of account activity sent to users. |
No information available | |
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Critical Event Escalation Escalates alerts for critical incidents to next level. |
No information available | |
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Delivery Confirmation Tracks and records if/when an alert is received by the user. |
No information available | |
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Alert Throttling Limit number or frequency of alerts to a user to prevent overload. |
No information available | |
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User-Specific Notification Preferences Individual users can control the types and frequency of notifications they receive. |
No information available | |
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Push Notifications (Mobile) Instant alerts sent directly to a mobile device. |
Push notifications supported via the mobile app for events and transactions. | |
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Language Localization Notifications available in preferred language of the user. |
No information available |
Customer Support and Service
(10 Yes /10 Known /10 Possible features)
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Integrated Help Desk Supports end-to-end issue tracking and resolution within the platform. |
Help desk integration and ticketing are referenced as part of support modules. | |
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24/7 Support Availability Round-the-clock access to customer service. |
24/7 support stated as part of service SLAs for enterprise banking customers. | |
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Live Chat Support Real-time chat with support representatives from within the platform. |
Live chat option provided in the platform support center. | |
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Automated FAQs/Knowledge Base Comprehensive searchable knowledge base for self-service. |
Automated FAQs and searchable knowledge base available from the help interface. | |
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Support Ticketing System Submit, track, and manage support tickets easily. |
Support ticketing workflow documented in platform user guides. | |
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Escalation Procedures Well-defined protocol for escalating and resolving critical issues. |
Escalation paths for urgent issues referenced in support and admin documentation. | |
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Remote Assistance Support representatives can securely access user sessions to assist directly. |
Remote support procedures are referenced as part of bank customer support. | |
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Multi-Language Customer Support Support services are available in multiple languages. |
Multi-language customer support mentioned for global banks. | |
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API Support Channels Technical support for API and integration issues. |
API support channels (email, ticketing) referenced in developer documentation. | |
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User Feedback Mechanism Ability to capture and analyze user feedback for continuous improvement. |
User feedback mechanisms (platform surveys, ratings) included in user experience improvement initiatives. |
Platform Availability and Scalability
(6 Yes /6 Known /10 Possible features)
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Service Uptime SLA Guaranteed percentage uptime as per Service Level Agreement. |
No information available | |
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Disaster Recovery (RTO/RPO) Recovery Time Objective (RTO) and Recovery Point Objective (RPO) for business continuity. |
No information available | |
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Horizontal Scalability Ability to support more users or transactions with scale-out architecture. |
Horizontal scalability cited as a strength of nCino's cloud-native architecture. | |
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High Availability Architecture Built-in redundancy and failover mechanisms. |
Highly available, redundant architecture described in product infrastructure and security documents. | |
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Performance Monitoring Real-time monitoring of system performance and capacity. |
System performance monitoring and dashboards offered for admin users. | |
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Concurrent Users Maximum Maximum number of users supported simultaneously. |
No information available | |
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Deployment Model Flexibility Available as SaaS, on-premises, or hybrid deployment. |
Offered via SaaS (cloud), and also available for on-premises and/or hybrid per customer requirements. | |
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Hot Patching/Zero Downtime Updates Apply patches and updates without downtime. |
The platform supports zero-downtime updates per SaaS operations protocols. | |
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Transaction Processing Capacity Maximum supported transactions per second. |
No information available | |
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Regional Data Center Availability Hosting in multiple geographies for regulatory or latency purposes. |
Regional hosting (multiple data centers) described for regulatory compliance in global banking. |
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