Great app


Fantastic app easy to use

dase 2

So easy




Great service


Brilliant efficient service easy explanations if you don’t like me quite understand something. Quick decision and funds available quickly

l Bytheway

Clear and easy to use very fast


Excellent service

Long Mark Taxi

Found it easy to navigate and team were very supportive and available when required

OPTP trace

Ease of use is key. The app has clear instructions and easy to navigate and complete tasks as requested,


Really easy to use app. Simple format so easy for people who are not that tech savvy. Great app x

jayne bostock

Really easy to use


Amazing, cant say any more


It's very easy to work with!



mrs A 71

Very user friendly


It's easy to use


Helped me out big time thankyou


So easy to use and quick!


Great App very efficient.



Hear it from our customers

Regulated service providers all over the UK are leveraging Nivo's secure instant messaging to grow.

Discover how simple changes can result in huge benefits for your organisation.

Find out more

Freedom Finance

Freedom Finance was able to remove expensive and time-consuming steps in their process because of the extra layer of security that mobile-based ID&V brings, including e-signing capabilities replacing the need to send a courier.

Inefficiencies at the later stages of the deal were also slickened using Nivo’s B2B messaging with the lender. Files, reports, and documentation can be shared with the lender instantly, with everything housed in one place.

Case Study
Client Interview

Ocean Finance

Using Nivo, Ocean Finance reduced their processing time by an average of 7 days. Using advanced facial recognition technology built into the Nivo powered App to confirm the identity of customers, Ocean worked with their panel of lenders to agree to the acceptance of e-signature on documents.

Case Study

Personal Finance Center

The Personal Finance Centre (TPFC) struggled with customer communication and engagement, along with delays in the speed to return all loan documentation.

Email was previously the main method of communication used, but as we can all appreciate, Financial Services applications can be complex and TPFC were being asked many questions during the complicated process. During this period, they discovered Nivo.

Case Study


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Case Study

Ultimate Finance

Ultimate Finance’s integration of Nivo has proved a great success. Having joined forces in March 2019 to implement ID&V technology, it is now looking to broaden its use of Nivo solutions into open banking.

Case Study

United Trust Bank

Implementing Nivo’s ID verification and security checking system brought several immediate benefits to UTB and their mortgage customers. The security checking process was quicker, smoother, and more robust.

With around 96% of applicants choosing to use the app to complete the process, the Bank was able to free up resource equivalent to around 1.5 full-time employees in the Mortgage administration team. The improved efficiency enabled them to increase their volume capability whilst customers saw their application progressing at a faster pace.

Case Study
Client Interview

CLS Money

CLS converted an increase of 10% more business since using Nivo. This speaks not only to how quickly it speeds things up but also the additional personal touchpoints the CLS team has implemented for their customers, including planting trees at the point of signature and sending birthday messages.

Case Study

Love Finance

Love Finance now enjoys a far more efficient system to verify potential customers and has seen its business prosper.It not only brings the initial onboarding time down from three days to a matter of hours but offers a more robust and compliant checking service to help fight the ever-present threat of identity fraud.

Case Study

“The app has some fanastic 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

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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, CIO, Ultimate Finance

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“Where we were in the hands of couriers and the royal mail, the cycle of an application we were not in control of as a lot of it relied on external factors. Nivo has meant that we are in control of the process to a much greater extent enabling us to track progress, drive completions and chase for outstanding information using very little resource.”

Andy Fisher, CCO, Freedom Finance

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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, United Trust Bank

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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, Love Finance

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“Typically, an admin person probably did about 20-30 cases and now they’ve got 50-60 cases. CLS is doing a lot of higher value with admin costs at the lowest they’ve been in 2 or 3 years.”

Clayton Shipton, Founder and MD, CLS Money

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The instant and secure messaging via the Ocean App has proven to be indispensable. It isn't always possible for customers to pick up the phone, so being able to interact over the app to respond to a request, upload a photo, or electronically sign a document at their earliest convenience is proving effective.

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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

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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.

Book a demo