1054 ET - 尽管市场对人工智能冲击软件行业存有忧虑，但摩根大通分析师在最新报告中指出，nCino正在展现出对新兴技术的良好适应能力。该公司的AI工具客户采用率持续攀升，尤其在信用审核、信贷监控、自动展期及定位归档功能（可实现文档自动提取与归档）等领域表现突出。
值得关注的是，nCino正加速从按席位收费向平台化或成果导向定价模式转型，其年度合同价值中已有38%完成迁移。分析师强调："nCino的系统记录、合规风控体系及专属银行数据，使其相较于新兴AI厂商在受监管金融机构领域占据更有利地位。"受此利好推动，nCino股价当日大涨11%。
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