nCino, the platform for agentic AI banking, has been chosen by The Hiroshima Bank, a subsidiary of Hirogin Holdings, to underpin the overhaul of its consumer lending operations.
The Hiroshima Bank, headquartered in Hiroshima City and led by Director and President Kazuo Kiyomune, will use the nCino Platform as the core system supporting its consumer lending business, including mortgage loans. The move forms part of a wider effort to modernise the bank's sales process and improve operational efficiency across the organisation.
The initiative sits within Hiroshima Bank's Mid-Term Management Plan 2024, under which the lender is pursuing a strategy aimed at fostering mutual growth across the region, its customers and the wider Hirogin Group. Reforming the sales process has been identified as a central pillar of that strategy.
Although the bank had already made headway in its consumer lending business, including mortgages, through restructured interest rates and broader online application options, it concluded that further gains in sales capability and efficiency were needed to meet its wider objectives.
With nCino now in place, Hiroshima Bank plans to bring its entire consumer lending process, spanning mortgage, apartment and unsecured loans, onto a single cloud-based system, from initial application through to contract completion. This is intended to replace paper-based procedures and disparate systems that had previously been spread across different parts of the organisation.
The bank expects the change to allow existing staff to manage a higher volume of cases while freeing up more time for tailored customer service and advisory work. It is also anticipated to sharply improve customer experience, with an ambition to cut response times to around ten minutes.
nCino Representative Director and Country Manager Itsuki Nomura said, 'We are honored to be able to support Hiroshima Bank's challenge in the mortgage lending business through nCino's platform. We will continue to provide flexible, scalable solutions to further contribute to the region.'