Verified identity messaging

Spend less time getting the data, documents, evidence and approvals you need.

Secure instant messaging and digital identity in one solution

Phone, post and email
were not built for
regulated industries

Poor customer experience

85% of customers who apply for a financial services product drop out


Phone, paper, post and email all incur significant costs to run. Their slow processes can add days and weeks to a deal, and limit the capacity to take on new customers.


Phone, post and email are slow and inconvenient, with each channel change in your customer journey resulting in a 30-50% drop-off. Manual processes risk errors and duplication of effort, and remove staff capacity for more value-added work.


Traditional communications channels put you and your customers at risk of fraud and embarrassing and expensive data leaks.

Increase Security and Efficiency

Replace unsecure and inefficient communication channels such as post, email and phone.

Nivo is designed specifically for regulated industries



Building Societies




Credit Unions

And other regulated industries

Working with Nivo has transformed the way we process mortgage applications and the benefits of adopting innovative fintech are now being enjoyed across several areas of the Bank

Buster Tolfree, Commercial Director, United Trust Bank

Customers now expect transactions in other areas of the lives to be just as quick and painless as ordering something on their phone in a few taps. Being able to remove posted documents from the equation was an absolute no-brainer.

Clayton Shipton, Founder and MD, CLS Money

By using one of the best facial recognition software on the market, the borrower can provide proof of ID and address whenever they like. This negates the need for face-to-face meetings and also makes it Covid-secure.

Jonathan Sealey, CEO, Hope Capital

Partnering with Nivo has saved us a lot of time and money. The system was straightforward to implement and customers find it self-explanatory.

Jack Smith, Managing Director, Love Finance

We're signing up new members in 15 minutes, all over mobile. It used to take 6 weeks.

The app has some fantastic built-in features, like electronic application forms, that make it easier for our customers to send us the documents we need to approve their applications.

Catherine O'Brien, Growth and Development Manager, Together

95% of our deals are through Nivo and only 5% via post. This means our customers are able to buy much quicker. They don’t have to waste time searching for, printing, and sending documentation. Everything can be completed through the app.

Lesley Laws, COO, The Personal Finance Centre

I’ve delivered a lot of technology before, and Nivo was right up there as the simplest to implement.

Andrew McKee, CIO, Ultimate Finance

So fresh and innovative. Staff and members love it!

Sheenagh Young, Chief Executive, South Manchester Credit Union

Receiving customer ID information from Freedom Finance through Nivo allows us to deliver a smoother and quicker journey through a platform that customers can actively engage with. It helps us to reduce identity theft and impersonation risks and has enabled us to eliminate significant amounts of effort.

Trusted by leading service providers across the UK

Streamline your communications

Bank standard technology available to white-label or integrate into existing applications.Speak to our specialists to find the right fit and see for yourself how Nivo makes financial services fast, simple, and secure.

Get Started with Nivo