Digital banking service provider nCino is planning new capabilities to its gen AI-driven Banking Advisor platform and aims to have over 100 functionalities this month after seeing high adoption of the service, launched in late 2024. 

“We started with providing insights to FIs about their loan books and risk management in 2024 through the Banking Advisor,” Blake Fortier, global director of applied AI and data, told FinAi News. “In 2025, we had about 17 capabilities of what [the] Banking Advisor could do, which were mainly focused around knowledge retrieval.”

The platform is good at retrieving data, solving a challenge for employees, especially when there is a new employee at the bank, Fortier said. 

“We have over 100 capabilities with our February release coming up, where we’ve unlocked a series of things now that Banking Advisor can do which go beyond knowledge retrieval,” Fortier said.  

These capabilities, which have been in beta testing since last November and have seen high adoption among banking clients, include:  

• Summarizing a client’s activity to better understand their needs; 

• Suggesting products; 

• Aiding the documentation process; and 

• Aiding continuous credit monitoring.  

Additionally, the AI-driven Banking Advisor enables institutions to file and verify loan application documents 3.5 times faster by automating routine tasks, Fortier said. 

The company declined to provide names of FIs that are using the Banking Advisor platform. However, $1.7 trillion Wells Fargo, $2.8 billion Bank Independent and $8.3 billion Nomura Trust and Banking are among nCino’s clients. 

The development 

The Wilmington, N.C.-based nCino developed most of its AI tools internally, but does use some outside vendors, Fortier said. 

“Our real focus is to make sure we’re using the right kind of tech to get outcomes we’re looking to generate,” he said. “We have developed a partnership with Amazon Web Services and are leveraging a fair bit of their tools and infrastructure for a lot of the AI capabilities.” 

The company has also seen success with Anthropic, he said. “What they’ve done there in terms of guardrails and consistency, performance and accuracy” makes its models great to build with. 

The digital banking service provider is also developing agentic AI tools, Fortier said, adding that the company has divided the tools as either workflow agents or personal agents. 

“Workflow agents are more deterministic agentic models, where AI is orchestrating a series of steps, but doing it in a fairly set pattern,” like knowledge retrieval, he said. “Personal agents are where the AI model takes in a user’s questions, infers their intent and then provides an outcome,” like a chatbot. 

Financial institutions are beginning to lean on tools that help solve a problem rather than deploying AI just to deploy it, he said. “nCino is developing tools to solve bottlenecks that can provide quantifiable operation metrics.” 

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