nCino, a US-based FinTech platform specialising in agentic banking solutions, has been selected by Raiffeisenbankengruppe Oesterreich, one of Europe’s largest cooperative banking networks, to deliver a unified corporate lending platform.
The partnership marks a significant milestone for nCino in the DACH region and highlights the growing demand for digital transformation within cooperative banking structures.
The collaboration aims to modernise Raiffeisenbankengruppe Oesterreich’s corporate lending operations, enabling the institution to streamline processes across its extensive, multi-tiered network.
By adopting nCino’s platform, the group intends to enhance efficiency, improve customer experience, and support evolving community banking needs while maintaining its longstanding commitment to trust and regional economic development.
nCino provides a cloud-based FinTech platform designed to digitise and automate banking processes, particularly in corporate and commercial lending. Its technology supports the full lending lifecycle, from application through to disbursement, and is widely used by financial institutions seeking to modernise legacy systems. The company has built strong expertise in cooperative banking through its work with thousands of US credit unions, giving it a unique position in supporting similar models in Europe.
Raiffeisenbankengruppe Oesterreich operates a highly complex cooperative structure comprising eight regional Raiffeisenlandesbanken, which act as central financing institutions for around 270 local Raiffeisenbanken across Austria. This member-owned system has been serving communities for over a century, focusing on long-term customer relationships and regional economic support.
Under the partnership, nCino’s platform will underpin the group’s entire corporate lending lifecycle, covering products such as current account credit, term loans, and contingent business limits. The deployment is expected to bring greater consistency and scalability to lending operations across the organisation’s distributed network.
The deal also underscores nCino’s strategic expansion in the European market, particularly within the DACH region, where cooperative banking models remain prominent. By leveraging its experience in the US credit union sector, nCino aims to replicate its success in supporting complex, member-owned financial institutions abroad.
“Raiffeisenbankengruppe Oesterreich is aware of its responsibility towards society and provides strong momentum for the promotion of the regional economy. Raiffeisen focuses on long-term customer relationships, which are always built on trust — trust between our eight Raiffeisenlandesbanken, our local Raiffeisenbanken and the communities they serve,” Raiffeisen Kooperationsgenossenschaft chairman Reinhard Schwendtbauer said, “nCino gives us the modern foundation to honor the trust of our customers and our responsibility towards them – with a platform designed specifically for how we work.”
“That institutional knowledge is already opening doors across Europe. In the DACH region, Raiffeisenbankengruppe Oesterreich is a powerful example of what’s possible when a traditional cooperative banking institution decides to modernise at scale,” nCino managing director of EMEA Joaquín de Valenzuela said. “They bring a century of community banking expertise to this partnership and nCino brings the platform and the cooperative banking experience to help them take it further. We look forward to working alongside their team to bring a new standard of efficiency and innovation to corporate lending across Austria.”
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