nCino launches ProBanker by FullCircl, a new solution to help UK lenders identify opportunity and manage risk across their business portfolios
nCino (NASDAQ: NCNO) has announced the launch of ProBanker by FullCircl, a new solution for UK lenders developed in collaboration with Experian. The platform leverages data from approximately 18 million UK commercial credit accounts to provide real-time visibility into commercial credit status, affordability, and liquidity.
ProBanker, built on FullCircl's technology (acquired by nCino in the previous year), helps financial institutions track and monitor opportunities and risks at both portfolio and individual levels. A pilot program with a major UK bank demonstrated the solution's ability to identify potential credit risks six months earlier than existing processes, while also identifying customers eligible for extended or new funding products.
The solution aims to modernize lending opportunities by providing comprehensive financial visibility, accelerating funding decisions, and improving customer outcomes through proactive engagement.nCino (NASDAQ: NCNO) ha annunciato il lancio di ProBanker by FullCircl, una nuova soluzione per i prestatori del Regno Unito sviluppata in collaborazione con Experian. La piattaforma utilizza dati di circa 18 milioni di conti di credito commerciali nel Regno Unito per offrire visibilità in tempo reale sullo stato del credito commerciale, sulla sostenibilità finanziaria e sulla liquidità.
ProBanker, basata sulla tecnologia di FullCircl (acquisita da nCino lo scorso anno), consente agli istituti finanziari di monitorare opportunità e rischi sia a livello di portafoglio che a livello di singolo cliente. Un programma pilota con una grande banca britannica ha dimostrato la capacità della soluzione di individuare possibili rischi di credito con sei mesi di anticipo rispetto ai processi esistenti, oltre a identificare clienti idonei per estensioni o nuovi prodotti di finanziamento.
La soluzione punta a modernizzare l'attività di lending offrendo una visione finanziaria completa, accelerando le decisioni di finanziamento e migliorando i risultati per i clienti tramite un coinvolgimento proattivo.
nCino (NASDAQ: NCNO) ha anunciado el lanzamiento de ProBanker by FullCircl, una nueva solución para prestamistas del Reino Unido desarrollada en colaboración con Experian. La plataforma aprovecha datos de aproximadamente 18 millones de cuentas de crédito comerciales del Reino Unido para ofrecer visibilidad en tiempo real sobre el estado del crédito comercial, la capacidad de pago y la liquidez.
ProBanker, construido sobre la tecnología de FullCircl (adquirida por nCino el año pasado), ayuda a las entidades financieras a rastrear y supervisar oportunidades y riesgos tanto a nivel de cartera como individual. Un programa piloto con un importante banco británico demostró la capacidad de la solución para identificar riesgos de crédito potenciales con seis meses de antelación respecto a los procesos existentes, además de detectar clientes elegibles para extensiones o nuevos productos de financiación.
La solución pretende modernizar las oportunidades de crédito proporcionando una visión financiera integral, acelerando las decisiones de financiación y mejorando los resultados para los clientes mediante una gestión proactiva.
nCino (NASDAQ: NCNO)는 Experian과 협력해 영국 대출업체를 위한 새로운 솔루션 ProBanker by FullCircl을 출시했다고 발표했습니다. 이 플랫폼은 약 1,800만 건의 영국 상업 신용 계정 데이터를 활용해 상업 신용 상태, 상환능력 및 유동성에 대한 실시간 가시성을 제공합니다.
FullCircl의 기술(지난해 nCino가 인수)을 기반으로 한 ProBanker는 금융기관이 포트폴리오 및 개별 고객 수준에서 기회와 리스크를 추적·모니터링할 수 있도록 돕습니다. 주요 영국 은행과의 파일럿 프로그램에서는 이 솔루션이 기존 프로세스보다 최대 6개월 앞서 잠재적 신용 리스크를 식별하고, 연장 또는 신규 자금 지원이 가능한 고객을 찾아내는 것으로 나타났습니다.
이 솔루션은 포괄적 재무 가시성을 제공하고 자금 결정을 가속화하며 적극적인 고객 대응을 통해 고객 성과를 개선함으로써 대출 방식을 현대화하는 것을 목표로 합니다.
nCino (NASDAQ: NCNO) a annoncé le lancement de ProBanker by FullCircl, une nouvelle solution destinée aux prêteurs britanniques développée en collaboration avec Experian. La plateforme exploite les données d'environ 18 millions de comptes de crédit commerciaux au Royaume‑Uni pour fournir une visibilité en temps réel sur l'état du crédit commercial, la capacité de remboursement et la liquidité.
ProBanker, construit sur la technologie de FullCircl (acquise par nCino l'année précédente), aide les établissements financiers à suivre et à surveiller les opportunités et les risques au niveau du portefeuille comme au niveau individuel. Un programme pilote mené avec une grande banque britannique a démontré que la solution pouvait identifier des risques de crédit potentiels jusqu'à six mois plus tôt que les processus existants, tout en repérant les clients éligibles à des prolongations ou à de nouveaux produits de financement.
La solution vise à moderniser l'octroi de crédit en offrant une visibilité financière complète, en accélérant les décisions de financement et en améliorant les résultats clients grâce à une approche proactive.
nCino (NASDAQ: NCNO) hat die Einführung von ProBanker by FullCircl angekündigt, einer neuen Lösung für Kreditgeber im Vereinigten Königreich, die in Zusammenarbeit mit Experian entwickelt wurde. Die Plattform nutzt Daten von etwa 18 Millionen britischen gewerblichen Kreditkonten, um in Echtzeit Einblick in den gewerblichen Kreditstatus, die Tragfähigkeit und die Liquidität zu geben.
ProBanker, aufgebaut auf der Technologie von FullCircl (im Vorjahr von nCino übernommen), unterstützt Finanzinstitute dabei, Chancen und Risiken sowohl auf Portfoliobene als auch auf Einzelkundenebene zu verfolgen und zu überwachen. Ein Pilotprogramm mit einer großen britischen Bank zeigte, dass die Lösung potenzielle Kreditrisiken bis zu sechs Monate früher erkennen kann als bestehende Verfahren und gleichzeitig Kunden identifiziert, die für verlängerte oder neue Finanzierungsprodukte infrage kommen.
Die Lösung zielt darauf ab, Kreditvergaben zu modernisieren, indem sie umfassende finanzielle Transparenz bietet, Entscheidungsprozesse für Finanzierungen beschleunigt und durch proaktives Engagement bessere Kundenergebnisse erzielt.
- Integration of FullCircl acquisition showing product development success
- Partnership with major data provider Experian enhances product credibility
- Pilot program demonstrated 6-month earlier risk detection capability
- Access to extensive dataset of 18 million UK commercial credit accounts
- Limited to UK market deployment initially
- Success metrics from only one pilot bank case study
Insights
nCino's new ProBanker solution leverages Experian data to help UK lenders identify risks earlier and uncover funding opportunities, strengthening their commercial portfolio management capabilities.
nCino has officially launched ProBanker by FullCircl, a strategic expansion of their intelligent banking solution suite for the UK market. This product launch represents the first major integration of FullCircl's capabilities since nCino acquired the company last year, demonstrating how nCino is executing on its acquisition strategy.
ProBanker addresses a critical gap in commercial lending visibility by providing near real-time insights into borrowers' complete financial situations. Developed in partnership with Experian, the solution draws from an extensive dataset of approximately 18 million UK commercial credit accounts and business current account data beyond the mandated CMA9 banks.
The product's value proposition is compelling - during pilot testing with a major UK bank, ProBanker detected potential credit risks an average of six months earlier than existing processes while simultaneously identifying customers eligible for extended or new funding products. This dual capability of risk mitigation and opportunity identification creates a distinctive market positioning.
For nCino investors, this launch represents a meaningful extension of the company's product ecosystem in a key international market. By integrating Experian's commercial bureau data with FullCircl's client lifecycle management capabilities, nCino is building stronger competitive barriers while addressing the increasing regulatory and operational pressures facing UK lenders to make faster, more accurate decisions.
The timing of this launch aligns with market conditions where financial institutions face heightened pressure to maintain portfolio quality while identifying growth opportunities. ProBanker's ability to deliver a multi-bank view of customer credit exposure, track affordability in near real-time, identify early warning signs, accelerate funding, and improve customer engagement addresses several key pain points that lending institutions currently face.
LONDON, Sept. 03, 2025 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced the general availability of ProBanker by FullCircl. FullCircl, a technology acquired by nCino last year, provides regulated businesses with end-to-end client lifecycle management.
With the financial services industry under growing pressure to make faster, more accurate lending decisions, relying solely on internal data is no longer enough. Part of a suite of Smart Solutions and developed in collaboration with Experian, ProBanker offers a solution that delivers the insight needed to act quickly and proactively support customers with timely funding opportunities.
Powered by Experian Commercial bureau data, insights and expertise, ProBanker uniquely delivers near real-time visibility into commercial credit status, affordability and liquidity across a broad spectrum of the UK lending landscape. This allows financial institutions to track and monitor both opportunities and risk at a portfolio and individual level, crucial in the current economic climate.
An initial pilot with a major UK bank identified that, on average, ProBanker helped them to spot potential credit risks six months earlier than current processes as well as support customers eligible for extended or new funding products.
ProBanker draws on an exceptionally rich dataset of around 18 million UK commercial credit accounts and business current account data beyond the mandated CMA9 banks. It assists lending providers to:
- Access a multi-bank, total market view of a customer’s credit exposure
- Track affordability and liquidity in near real-time
- Strengthen portfolio health by identifying early warning signs of financial distress
- Accelerate time to funding
- Improve customer outcomes through proactive engagement and personalised outreach
Immy Tugcu, Associate Director - Product Management at nCino commented: “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? 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.”
David Gallihawk, Chief Product Officer, Business Information Services at Experian UK&I said: “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. ProBanker delivers exactly that. Our collaboration with nCino will bring greater transparency and help modernise lending opportunities, allowing clients to unlock deeper value from their portfolios.”
Media Contact
Mara D'Auria
press@ncino.com
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.
About Experian
Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.
We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.
We invest in talented people and new advanced technologies to unlock the power of data and innovate. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.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 is ProBanker by FullCircl and what does it do for NCNO?
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