Banque Raiffeisen adopts nCino to power cloud-based lending

By Vriti Gothi

Banque Raiffeisen has partnered with cloud banking provider nCino to modernise its credit operations by replacing long-standing paper-based workflows with a digital lending platform, a move driven by growing pressure across European banks to boost efficiency, strengthen regulatory compliance, and streamline lending through more transparent, standardised processes.

Founded in 1926, Banque Raiffeisen has long been recognised for its customer-centric approach and governance standards. But like many traditional lenders, the bank faced operational bottlenecks in its lending processes, which relied heavily on manual documentation. These delays had become a concern for internal auditors and regulators.

“Our main goal was to remove paper and digitalise the entire chain from customer application to back-office processing through the full lifecycle of credit,” said Clément Loubeyres, Program Manager at Banque Raiffeisen.

A strategic debate over whether to build an internal solution or partner with an external provider shaped the bank’s approach. While the IT team favoured building in-house, business leaders argued for adopting proven industry standards rather than recreating existing complexities. After evaluating competing platforms and internal development options, the bank selected nCino, citing its ability to bridge technical and business requirements.

Implementation is being carried out in phases, beginning with retail mortgages before expanding into commercial lending. According to Loubeyres, nCino’s experience with similar projects helped the bank refine its rollout strategy and adopt more standardised credit processes.

The bank expects several outcomes from the transformation, including the elimination of paper-based workflows, faster loan decisioning, improved compliance controls, and enhanced reporting for business teams and committees. Separating credit data from the core banking system is also expected to strengthen organisation-wide visibility into lending performance.

Looking ahead, Banque Raiffeisen is exploring how artificial intelligence could further streamline operations, particularly in areas such as document classification. Loubeyres said AI could support “smarter process delegation” and address one of the bank’s most persistent operational challenges.