Banks Double Down on nCino AI Agents After Using Initial Credits

“I mentioned during our first quarter earnings call that some customers were beginning to reach the limits of their initial Intelligence Unit bundles,” Desmond said. “We have recently begun monetizing the sale of additional Intelligence Units as clients come back for more, which is really exciting to see and a strong signal of engagement with our Banking Advisor capabilities.”

Intelligence Units are part of the pricing model nCino uses to align the cost of its AI products with the customer’s usage and value obtained, according to an FAQ on the company’s website.

nCino announced in November that it added AI agents called Digital Partners to its platform, including Executive, Analyst, Service and Processing Digital Partners.

Desmond had said during an August 2025 earnings call that nCino was preparing to add AI capabilities and fully agentic workflows to its Banking Advisor product.

During Tuesday’s call, Desmond said nCino is seeing continuing adoption of its agentic solutions and other AI initiatives by new users. As of the end of the most recent quarter, more than 230 customers have purchased Intelligence Units, he said.