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

Rhea-AI Summary

nCino (NASDAQ: NCNO) launched Digital Partners, role-based AI agents embedded in the nCino Platform to support banking staff and customers with domain-specific workflows. Five agents target executives, analysts, service teams, processors and clients, delivering conversational assistance via Banking Advisor and direct digital-banking interfaces.

The company said these agents are trained on its 13+ years of industry data and will roll out across the platform over the next year, with Analyst Digital Partner beginning deployment in November 2025.

Positive

• Five role-based agents launched (Executive, Analyst, Service, Processor, Client)
• Analyst Digital Partner deploys November 2025
• Built on nCino's 13+ years of financial-services data and workflows
• Integrated into Banking Advisor for conversational access
• Client Digital Partner delivers AI self-service via institution digital channels

Negative

• None.

Insights

Product Strategist

nCino launched role-based "Digital Partners" to embed domain-specific AI across its platform; initial rollout starts with Analyst Digital Partner in November 2025.

The announcement describes a suite of five role-focused agents — including an Executive Digital Partner, Analyst Digital Partner, Service Digital Partner, Processor Digital Partner, and a Client Digital Partner — delivered through the existing Banking Advisor conversational interface and the institution’s digital channel for customers. Each agent is framed as trained on nCino’s domain data and built atop multi-layered subagents and orchestrated workflows; the stated business mechanism is to shift routine system navigation and document coordination into background agent work so staff can concentrate on decision-making and relationship tasks.

The primary dependencies and risks called out by the content are operational rollout and expansion: capabilities will broaden as "subagents and tools" mature, and deployment occurs "over the coming year," with the Analyst Digital Partner specifically scheduled for availability in November 2025. Watch the phased deployment, actual integration points into operational workflows, and how the Client Digital Partner surfaces within institution digital banking interfaces for measurable adoption. The timeline and creation of a "dual workforce" are the concrete milestones mentioned to monitor over the next 12 months.

“Digital Partners” create new standard of human-centric AI for financial institutions with domain-specific intelligence that analyzes the unique requirements and constraints of banking operations

WILMINGTON, N.C., Nov. 04, 2025 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced the launch of “Digital Partners” into the nCino Platform to seamlessly support banking talent with agentic capabilities. These role-based agents enable financial institutions to focus on decision-making and relationship building rather than navigating complex systems, working invisibly in the background to amplify human capabilities.

Trained on the complexities of rich financial services data—informed by nCino's more than thirteen years of industry expertise and one of the most comprehensive perspectives in financial technology—each Digital Partner is designed to address the distinct workflows, pain points, and objectives of its targeted users. From C-suite executives to relationship managers to customers or members themselves, this approach allows the Digital Partners to deliver contextually relevant assistance through nCino’s intelligent platform. This embedded domain expertise and access to critical financial data within the operational context of financial institutions allows the Digital Partners to operate alongside staff seamlessly, creating a “dual workforce.”

"We built these Digital Partners around the roles where AI can deliver the most immediate value—not by replacing bankers, but by eliminating the friction that keeps them from doing their best work," explained Chris Gufford, Chief Product Officer at nCino. "The goal isn't to replace the human judgment that clients and financial institutions value—it's to amplify it. By handling routine complexity invisibly in the background, these Digital Partners enable banking professionals to focus on what they do best: building relationships, making more informed decisions, and serving their communities with the personal touch that defines great banking."

Five Digital Partners: Role-Specific Intelligence for Your Institution

Each of nCino’s Digital Partners are built on a multi-layer architecture that combines foundational tools, specialized sub-agents, orchestrated agentic workflows, and role-specific intelligence delivered through natural conversation. Four of the Digital Partners are accessible through Banking Advisor—nCino's conversational AI interface:

• Executive Digital Partner provides strategic intelligence for C-suite decision-making, delivering market insights, portfolio intelligence, and personalized data science expertise.
• Analyst Digital Partner accelerates risk assessment and complex financial analysis for underwriters and credit analysts, backed by peer-benchmarked intelligence from Operations Analytics.
• Service Digital Partner enhances customer and member relationship management, enabling relationship managers to identify cross-sell opportunities at precisely the right moment.
• Processor Digital Partner eliminates workflow bottlenecks by coordinating documentation, scheduling communications, and validating compliance requirements.

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.”

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:

• Client Digital Partner delivers AI-enhanced self-service digital banking experiences directly to customers and members.
  
  

“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."

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.

"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."

Availability

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.

About nCino

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.

Media Contact
Mara D’Auria
press@ncino.com

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.

FAQ

What are nCino's Digital Partners and which roles do they serve under NASDAQ: NCNO?

Digital Partners are role-based AI agents serving executives, analysts, service teams, processors, and clients to assist with workflow, risk analysis, relationship management, and self-service.

When will nCino (NCNO) start deploying Digital Partners and which agent launches first?

nCino said agents will deploy across the platform over the coming year, with Analyst Digital Partner launching in November 2025.

How do Digital Partners integrate with nCino's Banking Advisor for NCNO customers?

Four role agents are accessible through Banking Advisor, providing conversational, context-aware assistance inside existing workflows.

What benefit do nCino Digital Partners offer shareholders of NCNO?

The company positions Digital Partners to amplify staff productivity and streamline operations by automating routine complexity, potentially improving operational efficiency.

Will customers interact directly with any nCino Digital Partners on NCNO's platform?

Yes. The Client Digital Partner is designed to operate through an institution's digital banking interface to deliver AI-enhanced self-service.