MASHINIi

nCino, Inc..

NCNO.US | Computer programming activities

nCino, Inc. is a global provider of cloud banking and digital transformation solutions to the financial services industry. The nCino Bank Operating System is a platform that combines customer relationship management (CRM), loan origination, account opening, workflow, content management, and instant ...Show More

Ethical Profile

Mixed.

nCino, Inc. receives a mixed ethical rating. The company demonstrates strong commitment to employee welfare, with compensation and benefits reportedly in the top 5% of similar-sized companies and an average annual salary of $117,236. However, its environmental performance raises concerns; in 2024, total emissions reached 15,000,000 kg CO2e. Reports indicate a decrease in electricity sourced from renewables, from 28% in 2022 to 24% in 2023, with no disclosed SBTi-validated reduction targets. On economic opportunity, nCino's software supports Dodd-Frank 1071 compliance for diverse small business lending, and some reports suggest an 85% reduction in fair lending regulatory findings for clients.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-10
-100100
Respect for Cultures & Communities20
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

nCino, Inc. provides cloud banking and digital transformation solutions to the financial services industry.

1
Its core business, which includes CRM, loan origination, and account opening platforms, does not have a direct or indirect impact on health outcomes. The company's products are not health-related, and its operations do not involve health-specific R&D, safety concerns, or engagement with health equity or workforce initiatives.
2
The provided articles focus on financial performance and market trends, offering no evidence related to health impacts, safety, accessibility, innovation, externalities, equity, workforce support, preventative measures, data responsibility, crisis response, mental health, patents, nutrition, education, addiction, or clinical trials.
3
Therefore, all KPIs are assessed as not applicable or neutral based on the nature of its business and the absence of relevant evidence.

Fair Money & Economic Opportunity

0

nCino's core business is providing cloud banking software to financial institutions, not directly offering lending or deposit services to consumers. Therefore, KPIs related to direct consumer financial products, pricing, fees, wealth-building outcomes, and geographic inclusion are not applicable to nCino itself, resulting in a score of 0 for these categories. For fair lending compliance, nCino reported an 85% reduction in the number of regulatory findings related to fair lending.

1
However, the specific nature of these findings, whether they were against nCino directly or its clients, or if they were proactive audits or responses to issues, is not detailed.
2
This indicates compliance but without evidence of proactive fair-lending audits or public summaries, placing it at -50.

Fair Pay & Worker Respect

0

nCino, Inc. has no mentioned regulatory actions, violations, fines, or compliance issues.

1
The company's compensation and perks and benefits are ranked in the top 5% of similar-sized companies by employees.
2
nCino has also received multiple Comparably Awards, including Best Company for Women 2023, Best Career Growth 2024, Best Leadership Teams 2024, and Best Company Outlook of 2024.
3

Fair Trade & Ethical Sourcing

0

No evidence available to assess nCino, Inc. on Fair Trade & Ethical Sourcing.

Honest & Fair Business

0

No evidence available to assess nCino, Inc. on Honest & Fair Business.

Kind to Animals

0

No evidence available to assess nCino, Inc. on Kind to Animals.

No War, No Weapons

0

No evidence was found in the provided articles regarding nCino, Inc.'s association with arms manufacturing, military contracts, conflict facilitation, or any initiatives related to mitigating the impact of war or fostering nonviolent alternatives. The articles focus on topics such as intelligent automation in mortgage lending, Dodd-Frank 1071 compliance, and digital mortgage vendors.

Planet-Friendly Business

-10

Total Scope 1, 2, and 3 greenhouse gas emissions for 2024 were 15,000 tCO2e (0.015 M tCO2e).

1
This represents an 11.82% annual decline from 17,010.87 tCO2e in 2023.
2
24% of the company's electricity was sourced from renewables in FY24, a decrease from 28% in 2022.
3
Some offices in Europe and APAC are 100% renewable.
4

Respect for Cultures & Communities

20

nCino engaged with 110 non-profit organizations globally in FY25 and supported more than 50 non-profit organizations in 2020, demonstrating a high number of formal partnerships.

1
The company has not reported any cultural appropriation incidents.
2
Approximately 50% of its global workforce is located at its Wilmington headquarters.
3
The company's operations do not involve activities requiring Free, Prior and Informed Consent (FPIC) processes.
4
While an Inclusion Council exists with 34 members, there is no specific community representation on governance bodies.
5
nCino committed $160,000 over four years to the Cape Fear Museum's Project Grace, which includes local history displays, and sponsored the Cape Fear Latino Festival.
6
The company's total direct charitable giving was $2.5 million from FY22-FY25, distributed to 110 organizations, but the percentage specifically for cultural heritage organizations is not provided.
7

Safe & Smart Tech

0

No evidence available to assess nCino, Inc. on Safe & Smart Tech.

Zero Waste & Sustainable Products

0

No evidence available to assess nCino, Inc. on Zero Waste & Sustainable Products.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.