nCino, the leading provider of intelligent, best-in-class banking solutions, 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.
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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.”
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