Financial institutions face increasing regulatory scrutiny across federal and state jurisdictions. Selecting a regulatory change management platform is a strategic decision with implications for:

We compared Predict360 by 360factors and Ncontracts’ Ncomply to help compliance and risk teams understand key differences in approach, workflow, and integration options. Both solutions support core regulatory change monitoring needs for banks, credit unions, and other financial services organizations, but they differ in how they structure workflows and apply automation.

Compliance teams are comparing Predict360 vs. Ncomply to find a custom risk management solution.

Core Regulatory Change Capabilities

Browse through this table to understand the different features available in the Predict360 and Ncomply platforms, as well as where they overlap.

Feature Predict360 (360factors) Ncomply (NContracts)
Federal regulatory monitoring Automated feeds from multiple sources Daily updated federal library
State regulatory monitoring Federal and state regulatory monitoring Daily updated state library
Alert customization Automated notifications to stakeholders Customizable alerts with regulatory links
Impact assessment AI-powered preliminary assessment Requirements builder tool
Enforcement tracking Risk mapping to affected processes Enforcement Action Tracker
Platform integration Modular 360factors GRC suite Unified compliance management

Artificial Intelligence Capabilities

Predict360 emphasizes AI-assisted workflows, while Ncomply emphasizes structured workflow automation. The right fit depends on how your team prefers to review, document, and route regulatory changes.

Predict360 and AI

Ask Kaia delivers insights into GRC for different business units while the core Predict360 solution assists with automation for regulatory analysis and policy management:

  • Exclusively trained on federal banking regulations
  • Reviews stored policies and identifies which require updates
  • Summarizes regulations, answers rule questions, and drafts policy language
  • Continuous controls monitoring
  • Integration of business units through document management
  • Analyzes documents and suggests applicable risks and controls

Ncomply and Automation

Ncomply emphasizes structured workflows over generative AI, offering practical applications such as:

  • Automated monitoring through daily regulatory library updates
  • Policy management with version control and approval tracking
  • Automated reminders and board approval workflows
  • Exam-ready audit trails documenting policies
  • Cross-departmental task assignment and progress tracking

Reporting and Documentation Comparison

Both solutions offer dashboards and reporting to support management and examiner-ready documentation. They can differ in analytics tooling, traceability views, and how reporting is distributed.

Capability Predict360 Ncomply
Real-time dashboards Yes, with drill-down detail Yes, multiple reporting levels
BI integration Power BI with optional integration to your Power BI environment Native Ncomply reporting
Risk mapping Process, document, policy, risk, control mapping Cost and timeline tracking
Examination readiness Regulatory impact traceability Centralized audit trails with approval history
Report distribution Executive and board-ready exports, configurable operational dashboards Stakeholder, board, management, examiner reports

Key Differentiators

Once you have understood the features and benefits of each solution, it is helpful to note the key differences between them.

Predict360 Strengths

  • Generative AI for policy impact analysis and document review
  • Advanced business intelligence integration for executive reporting
  • Faster implementation potential with modular design
  • Federal regulation focus with predictive analytics capabilities

Ncomply Strengths

  • Regulatory library workflows for institutions with multi-state obligations
  • Enforcement Action Tracker for monitoring agency activity
  • Comprehensive compliance workflow tooling within a unified platform
  • Centralized environment designed to reduce handoffs across systems

Implementation Considerations

Financial institutions should evaluate platforms through these practical lenses:

  • Vendor demonstrations
  • Impact assessment accuracy
  • Cross-departmental workflow
  • Reference calls with peer institutions
  • Total cost of ownership
  • Integration requirements with existing technology

Frequently Asked Questions

Read on to find the answers to any additional questions you may have when it comes to comparing the two platforms.

How do these platforms handle urgent regulatory changes?

Both platforms can notify stakeholders when updates are published and support structured workflows for review and documentation. Predict360’s AI-assisted features help teams triage affected policies and draft initial updates for review quickly. Ncomply’s alerts and regulatory links can help speed initial impact assessment and task assignment.

What’s the difference between Predict360’s AI and general-purpose AI tools like ChatGPT for regulatory analysis?

Ask Kaia is trained on banking regulations from federal supervisory agencies, enabling it to provide regulatory-specific insights that general AI tools may miss. Ask Kaia integrates with stored policies and procedures to identify specific documents requiring updates. General-purpose AI lacks this context and regulatory focus.

How long does implementation typically take?

Predict360 indicates implementation can occur within days due to its modular cloud architecture. Ncomply implementation typically requires weeks, reflecting the comprehensive nature of its unified compliance platform. Actual timelines depend on data migration complexity, custom configurations, and organizational readiness.

What’s the total cost of ownership beyond licensing fees?

Both platforms require investment in training, ongoing support, and potential module expansion. Request cost modeling from vendors based on your specific institution size and requirements.

How do these platforms help with examination preparation?

Both platforms maintain audit trails supporting examination readiness. Predict360 creates traceability showing regulatory obligations and how they map to specific policies and controls. Ncomply generates centralized documentation with approval histories and maintains records showing policies, instructions, and corrective actions.

Both Predict360 and Ncomply deliver regulatory change management capabilities appropriate for financial institutions. Predict360 emphasizes AI-powered intelligence and sophisticated analytics, while Ncomply offers comprehensive compliance management integration.

If your organization would like to learn more about how Predict360 can serve as a regulatory management solution, get in touch with our team of experts or request a demo to get hands-on experience with the platform.