ConnectOne Bank Cuts Commercial Lending Time by 97% with nCino’s AI Agents — nCino, Inc.

Event summary

ConnectOne Bank is deploying nCino’s AI capabilities across its commercial lending operations, reducing document search time from 20 minutes to 30 seconds (97.5% reduction).
Two custom AI agents built on nCino’s Agentic Operating System (AOS) are live in production, with one agent already cutting task time by 60%.
ConnectOne aims to make its frontline bankers 50% more efficient through AI-driven operational improvements.
nCino’s forward-deployed engineering team collaborated directly with ConnectOne to accelerate deployment from years to weeks.

The big picture

ConnectOne Bank’s deployment of nCino’s AI agents marks a strategic shift toward automation-driven efficiency in commercial lending. As banks face pressure to reduce operational costs while maintaining service quality, this partnership highlights the growing role of agentic AI in reshaping traditional banking workflows. The success of this initiative could set a new standard for how financial institutions leverage AI to enhance productivity and client service.

What we're watching

Execution Risk: Whether ConnectOne can sustain the pace of AI-driven efficiency gains across its entire lending lifecycle.
Industry Benchmarking: How quickly other banks adopt similar AI solutions to match or surpass ConnectOne’s operational advantages.
Regulatory Scrutiny: The extent to which regulators will scrutinize the use of AI in commercial lending, particularly around auditable and explainable actions.