nCino and Dun & Bradstreet Add D&b Data for KYC Workflows

In Short

nCino and Dun & Bradstreet announced a strategic alliance to bring Dun & Bradstreet business identity and risk data into nCino workflows. The goal is faster commercial onboarding and ongoing KYC monitoring.

What Happened

nCino said it will integrate Dun & Bradstreet’s verified business identity and risk context into its client lifecycle management workflows. This includes access to the D&B Commercial Graph, a business database anchored on the D U N S Number, which Dun & Bradstreet uses to uniquely identify companies.

The idea is to reduce repeated checks during onboarding, lending, and ongoing relationship management. KYC and KYB mean “know your customer” and “know your business.” They are the identity and risk checks banks must do to comply with anti money laundering rules.

nCino cited a survey of 409 bankers, conducted by Celent and commissioned by nCino, which found onboarding is still heavily manual. It also said banks often ask customers to submit the same information multiple times. The survey estimate put average onboarding cost at $14,700 per commercial client.

With the integration, D&B data is captured once and then reused at different decision points, from onboarding to loan origination and monitoring. Dun & Bradstreet also plans to bring beneficial ownership data into the platform, which helps banks see who ultimately controls a business, even when ownership is layered through other entities.

Why It Matters

For African banks and fintech lenders, onboarding delays often come from fragmented records, manual document reviews, and repeated verification across systems. An integration like this aims to make identity checks more consistent and easier to audit.

The bigger shift is from periodic KYC reviews to continuous monitoring. That means risk signals, like ownership changes or deteriorating financial standing, can be flagged between scheduled reviews, instead of weeks later.

This matters as regulators raise expectations on audit trails and ongoing compliance. It also matters for customer experience, because faster onboarding can shorten time to first loan, account opening, or credit decision.

If this approach works in practice, it could reduce compliance backlogs and lower the cost of serving SMEs, especially in markets where banks want to grow commercial lending without expanding compliance headcount.