When dealing with as many different technology systems as banks do, integration is the only way to guarantee that data is unified across the organization. Platforms like nCino enable faster onboarding, loan origination, and deposit account opening, but to fully deliver, they must seamlessly connect to a bank’s core systems. Without the right integration, even the best digital solutions risk becoming isolated silos, slowing down operations and frustrating both employees and customers.

That’s where MuleSoft comes in. MuleSoft is an iPaaS solution that integrates critical applications with Salesforce and other key systems, giving organizations a true 360-degree view of every customer. It’s the bridge between a bank’s core systems and nCino, enabling banks to take full advantage of nCino’s robust features.

When nCino and core banking don’t talk

Many banks successfully deploy nCino for commercial/consumer lending and deposit account opening, but struggle with one major challenge post-implementation: How do you actually book loans or accounts into your core system?

Without a scalable integration in place:

• Loan officers or operations teams must manually re-enter booking information into the core
• Booking timelines stretch from hours to days, delaying funding and account opening
• Errors increase, leading to reconciliation headaches and compliance risks
• IT teams are stuck maintaining fragile, point-to-point custom code that’s costly to change

Simply put, without leveraging nCino’s native Book-to-Core functionality properly, banks miss out on the full operational efficiencies and customer experiences that nCino is designed to deliver.

Configuring and extending nCino Book-to-Core with MuleSoft

Book-to-Core automatically sends approved loans and deposit accounts to the core once they move through specific stages in Salesforce Financial Services Cloud. We help banks tap into Book-to-Core functionality by ensuring seamless, secure, and scalable integrations with their core banking systems. 

It is vital for the Book-to-Core process to be configured correctly, aligned with each bank’s core system requirements, and have a data handoff that is robust, secure, and auditable. Using MuleSoft, we extend the integration where needed, providing APIs and connectivity patterns that support transformation, routing, orchestration, and error-handling as data moves between nCino and systems like Jack Henry, FIS, and FiServ.

We do not replace or replicate nCino’s functionality — we enhance and enable it, helping banks fully realize the automation benefits nCino provides while ensuring long-term scalability and flexibility across their core ecosystems.

The benefits of MuleSoft integration for banks

Banks partnering with Mphasis Silverline and MuleSoft have seen transformational outcomes across their operations: 

• Significantly increased speed, reducing loan booking times from days to minutes 
• Improved efficiency through the elimination of manual double-entry tasks, driving down operational costs and freeing up valuable resources 
• Enhanced accuracy, with higher booking precision and easier auditability, supporting stronger compliance and reporting standards
• Major uplift in customer experience, with faster loan funding and account openings leading to greater customer satisfaction and loyalty 

Banks are future-proofing their businesses by building a flexible integration backbone that supports modernization initiatives such as real-time payments, FedNow, and AI-driven servicing, setting the stage for long-term innovation and growth. 

Our work with nCino and MuleSoft is just the beginning. We’re also helping banks use MuleSoft to:

• Integrate with banking cores like Jack Henry, FIS, and FiServ, as well as servicing platforms, payment hubs, and other CRM systems 
• Automate manual document intake with Intelligent Document Processing (IDP) and Robotic Process Automation (RPA) 
• Modernize legacy architectures to prepare for digital banking and AI initiatives

At Mphasis Silverline, we are not just building integrations. We are helping banks reimagine what is possible. Learn more about how Mphasis Silverline and MuleSoft can accelerate your bank’s success.