While nCino is a popular digital banking solution, it may not be the perfect fit for every bank or financial organisation.
Whether it's platform flexibility, pricing structure, implementation speed, or alignment with your internal workflows, you might be exploring what other solutions are out there. And with so many options, finding the right one may seem like a Sisyphus task.
That’s where we step in. We’ve compiled a list of the ten best nCino alternatives to help you find the one that best aligns with your business goals and needs.
10 nCino alternatives: Highlights and overview
nCino is a cloud-based Bank Operating System focused on transforming financial institutions’ lending and banking operations.
Although it started as a commercial loan platform, nCino has expanded to provide a digital banking platform covering retail, small business, commercial lending, deposit account opening, and treasury management.
nCino, while strong on workflow AI, according to reviews on Captera, isn't currently tailored for retail front-end experiences, advanced digital engagement, or PFM tools, which are key for modern digital banks.
Let’s see how nCino compares with our top picks, as well as check their key characteristics, before diving deeper.
| | Stellar feature/Best for | AI features | Core banking integration |
| nCino | Digital lending and workflow automation | AI-driven onboarding, document, and credit automation | Standard APIs, Salesforce backbone |
| nCino alternatives | Stellar feature/Best for | AI features | Core banking integration |
| Meniga | AI-driven personalised insights, enrichment, and financial experience for banks and financial institutions transforming their online and mobile digital environments.
| AI-driven personalised insights and categorisation, ML-driven Cashflow Forecasting | Rich, flexible APIs for seamless integration with digital channels and core banking systems |
| TurnKey Lender | Lending automation and digital onboarding | Advanced AI credit decisioning | Integrates with legacy cores and credit bureaus |
| Q2 | Feature-rich APIs and open architecture, omnichannel platform | AI-driven behavioural insights | Extensive APIs, fintech ecosystem |
| Alkami | End-to-end retail and business digital banking transformation for US customers and banks | AI-powered personalisation | Broad 3rd-party and core banking system integrations |
| Mambu | Modular architecture, cloud-native capabilities, and API integrations | Embedded ML and AI | API-first, cloud-native composable integrations |
| FIS | Omnichannel banking | AI fraud detection | Core and payment systems connectivity |
| SBS | Compliance, scalability, and an integrated banking experience | AI insights for lending | Open API architecture, fintech, and legacy system integration |
| Backbase | AI-powered platform unifying customer service and digital sales | AI agents for sales and service automation | Open API framework, legacy, and fintech integration |
| Temenos | Core banking, lending, and wealth management solutions | Explainable AI | Fintech and service APIs, modular core integration |
| Infosys Finacle | No-code AI model development, synthetic data generation, and bias detection | Embedded AI tools for better decision-making and predictive analytics | API-rich environment for easy ecosystem and core banking integration |
1. Meniga: Personalised digital banking and Data Enrichment solution
Meniga delivers cutting-edge, scalable digital banking solutions that enable large financial institutions to modernise their online and mobile experiences with unmatched speed to market and minimal investment.
Our platform’s flexibility allows for seamless integration with your existing core systems, upgrading your digital channels without requiring a complete infrastructure overhaul.
No matter how complex your technology is, we deliver fast, efficient, and future-proof digital transformation.
Key features:
1. Data consolidation and enrichment
Meniga’s Enrichment Engine brings together internal, open banking, and third-party data to create a unified, enriched view of each customer’s financial activity, laying the foundation for true personalisation.
Meniga automatically categorises all income and expense transactions with high accuracy.
You can use your existing category setup or opt for Meniga’s fully localised categories, depending on your needs and goals.
Building on this, Meniga offers ready-to-use Finance Experiences like budgeting tools, carbon footprint tracking, gamified savings, and cashflow forecasting.
Not only do these features deliver immediate value to users, but they also generate behavioural insights that continuously refine and personalise the experience.
The more users engage, the smarter the system becomes.
2. Insights Platform
Our AI-powered Insights platform delivers real-time, hyper-personalised messages, giving customers relevant updates tailored to their individual context and far beyond standard notifications.
With Insights, you can:
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Create ultra-specific customer segments, such as ‘Likely to Invest’ or ‘Starting a Family,' using behavioural data.
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Trigger timely delivery based on real-time events from any internal or external banking tool.
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Reduce noise with contextual communication tailored to individuals.
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Understand customers at a granular level through micro-segmentation.
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Identify and act on opportunities instantly with real-time data processing.
The tool enables your business users to trigger individualised notifications, proactive in-app insights, Instagram-esque stories, or even dynamic user interfaces.
Meniga’s latest innovation is the Meniga Conversational Financial Assistant, a powerful LLM-driven product built for banks.
This future-forward tool allows customers to ask natural-language questions, from ‘How much did I spend on groceries this month?’ to ‘Can I afford a weekend trip?’, and receive accurate, real-time answers in a conversational format.
Trained on enriched data and secured with banking-grade protection, the Assistant:
As a result, you can position your bank as a trusted advisor. Note that this product is currently in development.
3. Cashflow forecasting
AI-powered Cashflow Forecasting gives your customers a clear view of their finances, past and future, for more effective money management.
Recurring income and expenses are automatically highlighted, revealing spending habits at a glance.
Real-time alerts notify customers about low balances, potential overdrafts, and upcoming bills, allowing them to address potential issues proactively.
In addition, personalised tips based on their cash position guide them on the optimal times to save or spend to achieve their financial goals.
2. TurnKey Lender: Digital lending and automation with AI and cloud support
TurnKey Lender is a modular, AI-driven digital lending platform that caters to every aspect of the lending life cycle.
Its main focus is end-to-end automation, which automates lending operations, from loan origination and underwriting to servicing, collections, and portfolio reporting.
Key features:
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AI-powered credit decisioning: Uses proprietary algorithms, machine learning, and deep neural networks for real-time borrower evaluation, instant loan approvals, and precise risk scoring.
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Configurable loan workflows: Fully customisable loan application flows, product builders, and credit rules, supporting personal loans, SME loans, mortgages, leasing, factoring, P2P lending, and more
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Advanced risk management: Integrated risk assessment tools, comprehensive credit scoring models, and dynamic decision rules enable automated underwriting.
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Debt collection automation: AI-driven collection priority, delinquency segmentation, configurable communication strategies, and asset valuation modules for lending recovery.
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Batch imports: Enables you to import user, payment, and loan data in bulk.
3. Q2: Open architecture and API-first solution
Q2 is a cloud-native digital banking platform that helps banks deliver retail, commercial, and small business banking experiences through a single, unified system.
The platform is known for extensive integrations, and it comprises over 1000 pre-built integrations, including connections to fintech partners, core systems, payment processors, KYC/AML, credit bureaus, and more.
Key features:
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Configurable workflows: The user interface, workflows, and product offerings are highly customizable, allowing you to tailor features and user journeys by segment, based on behavioural data.
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API-first environment: An open development environment enables building your own workflows, plug-ins, and custom integrations for faster adaptation.
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Unified, omnichannel platform: You can deliver banking experience for retail, small business, and commercial users through web, mobile, and more. Q2 serves all account types from a single platform.
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Security and compliance: Uses advanced multi-layer cybersecurity measures, continuous monitoring, two-factor authentication, and supports global compliance frameworks.
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Banking-as-a-Service (BaaS): Q2 BaaS delivers embedded finance and white-label banking for fintechs and brands for launching digital accounts, payments, and cards within other digital ecosystems.
4. Alkami: Retail and business digital banking transformation solution for US banks and customers
Alkami is a cloud-based digital banking platform that supports both retail and business banking and provides solutions to:
It caters to US-based customers and financial institutions.
Key features:
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Financial wellness tools: Alkami offers financial wellness and education features to enhance financial literacy and engagement by helping customers with budgeting, setting savings goals, and monitoring their financial health.
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Alkami Data Insights: Offers real-time data insights across systems to create personalised experiences and drive deposit growth, identify lending opportunities, and diversify revenue streams.
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Full Funnel Marketing: Includes customer insights and marketing automation, transaction data cleansing, predictive AI modelling, and channel integrations. This way, you can create personalised campaigns.
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Money Movement feature: A central hub for your users to access various movement tools, from wire transfers, real-time payments (RTP & FedNow), P2P, and more.
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Automated Billing: Traces down billable transactions and automatically manages them.
5. Mambu: Cloud-native, core banking platform with a composable approach
Mambu is a cloud-native, software-as-a-service (SaaS) core banking platform that helps banks and financial institutions launch, operate, and scale financial products and services.
Its modular architecture enables building tailored financial ecosystems by combining modular components for lending, deposits, payments, and other banking operations.
Key features:
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Data management and reporting: Tracks and aggregates your data for regulatory and operational reporting, data analytics, data visualisation, and dashboards.
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Mambu Payments: Connects institutions to a network of pre-integrated clearing systems, partner banks, and payment schemes, while enabling end-to-end automation through a payments hub.
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Notifications: Automate SMS, emails, and webhooks to notify customers of key account activities and support collection workflows.
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Compliance and risk management: Mambu integrates built-in compliance tools and risk management workflows to help financial institutions adhere to local regulations and standards, including IFRS 9 and GDPR.
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Multi-cloud approach: Choose a cloud provider based on your specific business, technical, and regulatory requirements, located in the same or a different geographical region.
6. FIS: Omnichannel banking and comprehensive digital banking solutions
FIS (Fidelity National Information Services) provides multiple banking software and digital banking solutions that support digital transformation, omnichannel banking, real-time payments, and integrated risk management.
The solution caters to banking, fintech, wealth management, credit unions, and other similar industries.
Key features:
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Omnichannel digital banking: FIS Digital One delivers banking experiences across web, mobile, ATM, and branch.
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FIS Money Movement Hub: A unified, cloud-based payments orchestration platform. It connects to major US payment networks, such as ACH, instant, and wires through universal APIs, supporting end-to-end payment journeys for banks of all sizes.
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FIS Horizon: A core banking system primarily for community banks and specialty finance institutions that supports core banking operations such as account maintenance, deposits, lending, transaction processing, and customer relationship management. It also integrates advanced eBanking, treasury management features, and multiple payment options.
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Agentic AI: Acts as a personal assistant in every meeting, automates data entry, and provides relevant recommendations.
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Accounting Data as a Service (formerly Railz): Simplifies and automates payment tasks, including bank data and merchant reconciliation. It also provides a complete view of your customers’ financial health with cash flow forecasting and transition management services.
7. Sopra Banking Software (SBS): API-first, cloud-agnostic modules
SBS provides cloud-native, modular banking solutions and services ranging from banking, lending, compliance, payments, to consumer and asset finance.
The platform has AI–powered transaction enrichment and categorisation capabilities.
Key features:
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Banking platform: Provides API-first, cloud-agnostic modules for accounts, payments, lending, compliance, regulatory reporting, and digital and open banking.
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AI-Powered Insights: Provides real-time transaction monitoring, predictive recommendations, and an overall customer view for hyper-personalised experiences and tailored offers. You can consolidate accounts, customise categories, and access smart financial insights.
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Smart credit decisioning: The platform offers client rating tools that use AI, ML, and predictive analytics to evaluate creditworthiness.
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Transaction enrichment and monitoring: Leverages AI to enhance transaction data with behavioural analytics, anomaly detection, and fraud signals, helping identify unusual activity and potential fraud.
8. Backbase: An AI-powered digital banking platform
Backbase is an AI-powered digital banking platform that unifies customer servicing and digital sales.
The platform transforms customer engagement and automates workflows across banking operations, sales, and service.
Key features:
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Intelligence Fabric: Combines behavioural, transactional, and operational data into real-time actionable insights.
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Intelligent process automation: AI agents that automate servicing, onboarding, and compliance workflows.
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AI-powered customer services: AI agents provide real-time support via chat, app, and web. They also offer personalised prompts, financial tips, and product nudges based on real customer context.
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Personal finance tools: Help customers track spending, manage goals, and receive AI-powered insights and financial advice.
9. Temenos: A cloud-native platform for core, digital, and wealth management operations
Temenos offers modular, composable capabilities for retail, corporate, commercial banking, treasury, regulatory compliance, and risk management.
It also has Temenos AI, which provides AI practices and is available with all Temenos software.
Key features:
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Modular core banking: Includes pre-configured banking modules for retail, business, corporate, and wealth segments that banks can adopt individually or collectively.
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Explainable AI (XAI): Tailors financial products based on real-time customer behaviour.
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Compliance and risk management: Provides regulatory compliance tools, real-time risk management, and automated reporting to ensure adherence to global regulatory frameworks.
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DataSource: Manages multiple data sources using pre-built adapters to reduce costs and risks from growing data volumes.
10. Infosys Finacle: Data foundation and no-code AI platform
Infosys Finacle offers a comprehensive digital banking software suite that supports core banking, payments, wealth management, treasury, analytics, AI, and blockchain solutions for financial institutions worldwide.
It also launched the Data and AI Suite, an integrated platform to help banks embed AI across their operations.
Key features:
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Finacle AI platform: Enables banks to create, manage, and improve financial solutions from a single platform. It also offers a library of pre-built use cases for banking purposes.
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AI and automation: Embedded AI tools for better decision-making, predictive analytics, intelligent process automation, fraud detection, and customer personalisation.
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A centralised data management system: Brings together information from all branches into one data centre and enables real-time data access across all locations.
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Corporate Banking Suite: Caters to large enterprises and includes modules for corporate deposits, lending, payments, cash and liquidity management, and trade finance.
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Robotic process automation (RPA): Automates tasks, such as loan processing, compliance verification, and reconciliation. Regarding automation, you can also automate workflows for loans, account creation, and compliance reporting.
6 factors to consider when choosing an nCino alternative
As a small bonus, here are a few factors you should consider to find an nCino alternative that best fits your unique business needs and supports your digital transformation goals.
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Specific needs: Consider whether the platform focuses on a particular area of banking, such as customer engagement, digital banking solutions, etc.
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Scalability and flexibility: Evaluate whether the platform can adapt to the changing needs of your business.
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Integration capabilities: Assess how easily the platform integrates with other systems you use.
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Cost: Compare the pricing models of different platforms to find the best value for your budget.
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User experience: Consider the ease of use and navigation for your employees and customers.
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AI and automation capabilities: Check if the platform offers AI-powered solutions to enhance operations and compliance.
Why should Meniga be your optimal nCino alternative?
While nCino remains a robust banking platform providing lending and banking operations solutions, Meniga excels at digital solutions to:
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Drive digital engagement,
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Supercharge customer personalisation,
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Maximise revenue from digital channels,
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Modernise your core system without an overhaul, allowing for rapid go-to-market and continuous feature upgrades,
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Provide holistic views of financial life across different accounts and banks, driving better decision-making and cross-institution engagement for customers.
Contact us today to see how you can transform your digital channel into a high-engagement and highly personalised experience.
