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nCino Barclays 23rd Annual Global Technology Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Technology Conference summary10 Dec, 2025
Business evolution and market expansion
Expanded from commercial lending to small business, consumer, and mortgage, offering a unified platform for global financial institutions.
Achieved significant international growth, with strong presence in UKI, Spain, Nordics, and Japan, and about half of addressable market outside the US.
International revenue now represents 21% of subscription revenues, with ongoing focus on continental Europe and Japan.
Competitive landscape internationally is favorable, with the main challenge being customer inertia rather than direct competitors.
Success in new markets often driven by initial customer wins and word of mouth, with leadership investments supporting expansion.
Financial performance and product innovation
Delivered another beat-and-raise quarter, highlighted by a 600 basis point increase in operating margin year-over-year and quarter-over-quarter.
Over 110 customers have adopted the Banking Advisor AI, driving early renewals and accelerating platform pricing adoption.
Mortgage business grew over 20% year-over-year in Q3, reflecting market stability and successful execution during prior industry turmoil.
Consumer banking product is growing steadily, with success tied to the platform approach and cross-selling to existing commercial customers.
Platform pricing transition is underway, with 27% of ACV on the new model, targeting a 10% price uplift and aligning value with customer outcomes.
Market environment and customer trends
Financial institutions' balance sheets are healthy, and spending has normalized after recent industry headwinds.
AI is a key catalyst for customer engagement and sales activity, with innovation showcased through live products.
US commercial lending still offers growth opportunities through deeper product penetration and cross-selling.
Consumer banking remains largely a rip-and-replace opportunity, with the platform's unified approach providing a competitive edge.
Mortgage market stability and share gains position the business for potential tailwinds in the coming year.
AI's role in platform pricing adoption
Prioritize international vs. consumer growth
Professional services margin improvement strategy
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Frequently asked questions
Bank Operating System
nCino is an American Fintech company specializing in cloud-based banking solutions and offers a Bank Operating System built on the Salesforce platform. This system integrates various functions such as customer relationship management (CRM), loan origination, deposit account opening, workflow, enterprise content management, and instant reporting capabilities. Its client base includes a range of financial institutions, from community banks to large-scale global banks. nCino is headquartered in Wilmington, North Carolina, and its shares are traded on the Nasdaq.
Founded as a Subsidiary
nCino was established in 2012 as a majority-owned subsidiary of Live Oak Bancshares but is today traded as an independent public company. The company emerged from the need for a more efficient, cloud-based banking technology to handle the increasing complexity and regulatory demands in the financial sector as it continued to digitalize. nCino developed its Bank Operating System, which quickly gained traction for its ability to integrate various banking processes. Over the years nCino has expanded its client base, serving a range of financial institutions from small community banks to large, international banks.
Cloud-Based Fintech
nCino provides a comprehensive suite of cloud-based products built for the financial services industry. Its flagship product, the nCino Bank Operating System, integrates several key functionalities, including CRM, loan origination, account opening, workflow automation, compliance management, and analytics. This platform streamlines various banking operations, with the goal of enhancing efficiency while ensuring regulatory compliance. Additionally, nCino offers specific solutions for commercial banking, small business lending, and treasury management, among others. Its services focus on digital transformation, aiming to improve the customer experience while optimizing back-end operations.
The Salesforce Platform
nCino's services utilize Salesforce's platform as its foundation. This integration incorporates Salesforce's established CRM functionality, facilitating data management and client interactions within the banking sector. This technical approach aims to balance the security, scalability, and efficiency of Salesforce’s platform while allowing nCino to build products specifically tailored to its end customers.
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