Case Study: Allied Irish Banks achieves faster loan decisions and streamlined asset finance with nCino

How AIB Transformed Their Asset Finance

AIB, one of Ireland’s largest banks with over €110bn in assets, ~9,000 employees and millions of customers, faced declining market share in asset finance as specialist lenders outpaced it with more agile, digital experiences. The bank launched a transformation to replace fragmented legacy systems, improve customer experience, speed decisions and funding, increase transparency across the credit lifecycle, and reduce costs.

AIB partnered with nCino (with Accenture support) to deploy a single cloud-native credit platform that replaced nine systems with a paperless, end-to-end origination, underwriting and fulfilment solution. The rollout delivered faster loan decisions and speed-to-funds, eliminated or minimized manual handoffs, enabled e-signatures and integrations, and drove a 30% increase in auto-decisioning—creating a scalable blueprint for broader transformation.

Allied Irish Banks

Emer Forbes

Subject Matter Expert – Fulfillment Team