SBI Credit Guarantee Adopts nCino for Mortgage Guarantee Business Operations
nCino, a pioneer in cloud banking and financial services digital transformation, announced that SBI Credit Guarantee has adopted nCino's cloud-based integrated banking platform as the business infrastructure for its mortgage guarantee business that began in April 2025, and has commenced full-scale operations.
Background of Implementation
SBI ARUHI, the parent company, has positioned the mortgage guarantee business as one of its revenue pillars in its medium-term business plan, and established SBI Credit Guarantee to realize this goal. Additionally, the SBI Group is promoting collaboration with regional financial institutions nationwide to contribute to the realization of regional revitalization, which is a national objective. This guarantee business plans to also cover mortgages provided by regional financial institutions. To launch this new business quickly and efficiently, it was essential to utilize a business platform with functions necessary for guarantee operations implemented as standard features.
Project Overview and Reasons for Adoption
In the mortgage guarantee business, the platform integrates the entire process from receiving guarantee applications from banks through screening to contracts in a seamless manner.
The main reasons for adopting nCino are as follows:
Platform specialized in lending operations enabling rapid business development: nCino packages functions necessary for industry-standard lending operations, and by minimizing customization, achieved the world's fastest development completion and realized planned production operations aligned with business launch.
High flexibility and scalability: To respond flexibly to future market changes, the system's functions are continuously updated after operation, and the ability to make flexible system changes internally was also highly evaluated.
Future Outlook
SBI Credit Guarantee plans to utilize the time created through operational efficiency improvements with nCino to focus on strengthening collaboration with regional financial institutions in guarantee operations. Through this, the company will contribute to regional economic revitalization by supporting regional financial institutions' housing loan operations.
About SBI Credit Guarantee
SBI Credit Guarantee began operations in April 2025 as the first company in the SBI Group to engage in the mortgage guarantee business. By leveraging the SBI Group's financial expertise and cutting-edge technology, the company aims to evolve guarantee services into something more accessible and user-friendly, thereby enriching customers' lives and creating regional social development.
Norbert Gehrke
