nCino Introduces “Digital Partners,” Role-based Agents Purpose-built to Establish a Dual Workforce for Financial Services

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Through Banking Advisor, these capabilities become accessible with simple natural language requests like “What’s the risk profile for this commercial loan?” or “Show me which processes have the highest optimization potential.”

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The fifth role-based agent, Client Digital Partner, is designed for account holders at an institution and operates directly through the institution’s digital banking interface:

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“As our subagents and tools continue to become more robust with time, the Digital Partners’ résumés will only continue to grow,” said Will Jung, Chief Technology Officer at nCino. “As the technology advances, so do the capabilities available to financial institutions, allowing them to continuously redirect their talent toward higher-value work. It’s about building a foundation that evolves.”

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Utilization of role-based agents reflects the next phase of nCino’s multi-step AI strategy, following the first phase that established Banking Advisor as the unified conversational experience.

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“Financial institution leaders tell us they need AI to transform operations, but they’re overwhelmed by posturing in the market, hundreds of overlapping agents and incomprehensible frameworks,” added Sean Desmond, Chief Executive Officer at nCino. “From community banks, credit unions and IMBs to enterprise institutions, our customers get AI that makes sense from day one—no AI team required; no technical training needed. AI is about real world, curated, and industry relevant data and people aligned with outcomes. Our data and human-centered approach is what separates outcome-based innovation from technology for technology’s sake.”

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Availability

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nCino’s Digital Partners are being deployed across the platform over the coming year, beginning with Analyst Digital Partner in November 2025. Learn more about nCino’s Digital Partners and other intelligent offerings here.

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About nCino

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nCino (NASDAQ: NCNO) is powering a new era in financial services. The Company was founded to help financial institutions digitize and reengineer business processes to boost efficiencies and create better banking experiences. With over 2,700 customers worldwide – including community banks, credit unions, independent mortgage banks, and the largest financial entities globally – nCino offers a trusted platform of best-in-class, intelligent solutions. By integrating artificial intelligence and actionable insights into its platform, nCino is helping financial institutions consolidate legacy systems to enhance strategic decision-making, improve risk management, and elevate customer satisfaction by cohesively bringing together people, AI and data. For more information, visit www.ncino.com.

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Forward-Looking Statements: This press release contains forward-looking statements about nCino’s financial and operating results, which include statements regarding nCino’s future performance, outlook, guidance, the benefits from the use of nCino’s solutions, our strategies, and general business conditions. Forward-looking statements generally include actions, events, results, strategies and expectations and are often identifiable by use of the words “believes,” “expects,” “intends,” “anticipates,” “plans,” “seeks,” “estimates,” “projects,” “may,” “will,” “could,” “might,” or “continues” or similar expressions and the negatives thereof. Any forward-looking statements contained in this press release are based upon nCino’s historical performance and its current plans, estimates, and expectations and are not a representation that such plans, estimates, or expectations will be achieved. These forward-looking statements represent nCino’s expectations as of the date of this press release. Subsequent events may cause these expectations to change and, except as may be required by law, nCino does not undertake any obligation to update or revise these forward-looking statements. These forward-looking statements are subject to known and unknown risks and uncertainties that may cause actual results to differ materially including, but not limited to risks associated with (i) adverse changes in the financial services industry, including as a result of customer consolidation or bank failures; (ii) adverse changes in economic, regulatory, or market conditions, including as a direct or indirect consequence of higher interest rates; (iii) risks associated with acquisitions we undertake, (iv) breaches in our security measures or unauthorized access to our customers’ or their clients’ data; (v) the accuracy of management’s assumptions and estimates; (vi) our ability to attract new customers and succeed in having current customers expand their use of our solution, including in connection with our migration to an asset-based pricing model; (vii) competitive factors, including pricing pressures and migration to asset-based pricing, consolidation among competitors, entry of new competitors, the launch of new products and marketing initiatives by our competitors, and difficulty securing rights to access or integrate with third party products or data used by our customers; (viii) the rate of adoption of our newer solutions and the results of our efforts to sustain or expand the use and adoption of our more established solutions; (ix) fluctuation of our results of operations, which may make period-to-period comparisons less meaningful; (x) our ability to manage our growth effectively including expanding outside of the United States; (xi) adverse changes in our relationship with Salesforce; (xii) our ability to successfully acquire new companies and/or integrate acquisitions into our existing organization; (xiii) the loss of one or more customers, particularly any of our larger customers, or a reduction in the number of users our customers purchase access and use rights for; (xiv) system unavailability, system performance problems, or loss of data due to disruptions or other problems with our computing infrastructure or the infrastructure we rely on that is operated by third parties; (xv) our ability to maintain our corporate culture and attract and retain highly skilled employees; and (xvi) the outcome and impact of legal proceedings and related fees and expenses.

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