Banque Raiffeisen partners with nCino to digitise lending operations

By Gloria Methri

Banque Raiffeisen, Luxembourg’s only cooperative bank, has partnered with cloud banking provider nCino to modernise its loan and credit management processes. The bank will implement the nCino Bank Operating System to improve operational efficiency, streamline workflows, and support regulatory compliance.

Founded in 1926, Banque Raiffeisen plays a key role in Luxembourg’s financial sector. With the nCino platform, the bank aims to speed up loan processing and offer a more seamless digital experience for customers. The move will also help improve visibility across departments, enhance communication, and strengthen overall client engagement.

“Over the past century, Banque Raiffeisen has built a legacy of trust and excellence with its customers,” said Laurent Zahles, Chairman of the Management Board of Banque Raiffeisen. “Choosing nCino as our platform will provide our customers with intelligent solutions that enable us to continue meeting their needs and expectations far into the future.”

“We are at a pivotal moment in the evolution of financial services as advancements in AI and intelligence-driven solutions open unprecedented opportunities to transform banking experiences,” said Joaquín de Valenzuela, Managing Director of EMEA at nCino. “For over a decade, nCino has been a trusted partner to financial institutions, delivering innovative solutions that drive tangible results. Our position at the forefront of AI innovation specific to this industry is propelling our growth across Europe, and was are thrilled to welcome Banque Raiffeisen to the journey.”

This partnership marks nCino’s entry into the Luxembourg market, expanding its global presence to more than 20 countries. nCino provides AI-driven solutions across commercial onboarding and lending, SME banking, and mortgage services. Its platform helps financial institutions automate processes, reduce inefficiencies, and offer more personalised, intelligent services to clients.

By adopting nCino’s cloud-based technology, Banque Raiffeisen is taking a key step toward full digital transformation while continuing its mission to serve clients with transparency and care.