Built by a senior team coming from a leading UK bank, Nivo offers a secure way to communicate

Banks can offer an award-winning paperless
experience, streamlined with the UK’s latest

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How it works

Integrate Nivo

Three layers of protection allows customers to upload sensitive documents and personal data, without risk.

Accelerate with FinTech

Customers will be guided through a custom application journey using Fintech features like biometric ID&V, automation and Open Banking.

Communicate and Sign

Electronic contracts are distributed and signed with our e-signing technology. Nivo’s e-signing is approved by leading Lawyers.


Improves Customer Experience

Flexible to location
Faster loans
Easy onboarding, 24/7
Removes process friction
Instant responses

Increase Sales

Reduce drop-off through faster speed
Serve more customers at once
Grow customer loyalty
Save time, costs, resources
Make products accessible

Mitigate Risk

Meet KYC / AML obligations
Automatic audit trail keeps information safe
Enable remote working
Identities verified and network secure
Replaces unsecure email


Removes paper, post and email
Quick to set up
Advanced fintech features already built-in
Bank-standard security

Operate Efficiently

Automate information gathering
Files and data are all in one place
Instantly receive documents from the customer
Fast and secure e-signing
Learn about our technology and branding options

Nivo was built on open APIs, making  it easy to connect it to your current systems.

See Tech & Brands Options

Our Credit Unions

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Trusted by

More case studies coming soon!
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“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


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“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."

Craig Collins

Wholesale Director for Optimum Credit

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"So fresh and innovative. Staff and members love it!"

Sheenagh Young

Chief Executive

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

Maureen Paterson

Head of Finance/Deputy CEO

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

Andrew McKee


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“Companies like Amazon and Uber model have changed everything; 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 Managing Director

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“When introducing automated services, it’s not unusual to accept some negative elements. On this occasion, there was no downside."

Buster Tolfree

Commercial Director

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"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

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“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

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"There are benefits to using Nivo that you don’t even realise until you go live. We wish we started a lot sooner.”

Josh Bowe

Head of Digital Operations

Frequently Asked Questions

How do I direct customers to Nivo?

What have been your results so far?

How much money can I save by using Nivo?

What does setup look like?

Haven’t you found what you were looking for?

If you're a Nivo Agent, you can get support on our Zendesk page
For anything else, Contact us

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It’s quick to get started with Nivo. See for yourself how we make financial services fast, simple, and secure.

Request Demo