Case Study: Allied Irish Banks achieves 63% faster loan decisions and 52% reduction in paper with nCino

AIB transforms its Asset Finance Lending with the help of nCino to enhance efficiency and customer experience

AIB, a leading financial services group in Ireland and the UK serving about 2.8 million customers with roughly 9,300 employees, needed to modernize its asset finance lending to meet rising customer expectations and competitive pressure. Senior management launched a digital transformation and selected the nCino Bank Operating System to create a streamlined, end-to-end digital lending process.

nCino digitized and automated loan origination — from application, document collection and underwriting through approval — enabling digital signatures and easy customer uploads. The rollout reduced paper use by 52% and increased the speed of loan decisions by 63%, delivering faster time-to-cash, better employee visibility, improved customer experience and a scalable platform for future commercial lending growth.

Allied Irish Banks

Peter Swan

Head of Credit Transformation