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    J.R. Herrera

    Vice President and Equity Research Analyst at Piper Sandler

    J.R. Herrera is a Vice President and Equity Research Analyst at Piper Sandler, specializing in coverage of the chemicals sector and related industries. He conducts in-depth research and provides investment recommendations on publicly traded chemical companies, with a coverage list that includes major firms such as Dow, DuPont, Eastman Chemical, and LyondellBasell. Herrera joined Piper Sandler after prior experience at similar financial institutions, and his investment calls are tracked by leading platforms, demonstrating a positive success rate and competitive returns for clients. He holds FINRA Series 7, 63, and 86/87 licenses, underscoring his professional qualifications and regulatory compliance.

    J.R. Herrera's questions to nCino (NCNO) leadership

    J.R. Herrera's questions to nCino (NCNO) leadership • Q4 2025

    Question

    J.R. Herrera inquired about the competitive AI landscape, specifically whether banks prefer custom or pre-packaged solutions, and asked for feedback from large customers on the shift to asset-based pricing.

    Answer

    CEO Sean Desmond responded that customers prefer to innovate on AI with a trusted partner like nCino, focusing on embedding AI agents into existing workflows rather than pursuing standalone solutions. He added that the shift to asset-based pricing has been received positively, as customers appreciate aligning costs with the value and outcomes they derive from the platform.

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