Why Nivo

Nivo is purpose built for regulated financial services providers in the UK to reduce the amount of manual work and improve customer satisfaction across all loan origination and customer service activities by making it much easier to securely communicate, gather, share, and verify sensitive information.

Nivo’s services were originally developed within Barclays Bank before becoming an independent company. Our executive team brings decades of experience in delivering financial services technologies, and as of January 2025, over 100 financial brands, including high street banks, specialist lenders, building societies, and brokerages, such as The Co-Operative Bank, Pepper Money, and United Trust Bank, use our platform across strategic operations. We understand the governance processes required to onboard, implement, and operate secure services and have successfully completed this many times.

Nivo maintains certifications that demonstrate adherence to industry security standards, including ISO 27001 Certification, FSQS Registration, and Cyber Essentials Plus. We run regular penetration tests on our platform, and clients are encouraged to perform their own.

Each client operates within an independent, logically separated instance inside Nivo’s dedicated Virtual Private Cloud (VPC), hosted on AWS. The Nivo platform uses a container based microservices architecture to ensure data segregation and protection. Anomalies are continually monitored with advanced cloud focused security and alerting systems.

Nivo employs a dedicated Data Protection Officer (DPO) and specialist legal support to ensure compliance with user agreements, privacy policies, and data protection laws. All services go through Data Privacy Impact Assessments.

Data handled by sub processors and suppliers is subject to strict standards, and providers are vetted for compliance with data security and privacy requirements, alongside considerations such as modern slavery and environmental impact policies.

Nivo’s platform is designed to balance flexibility and convenience with security to cater to different preferences and policies of financial services providers. Some lenders want to ensure they are available over the channels that brokers are already on, like email and WhatsApp, while others prefer to ramp up security and favor our bank standard mobile apps and web based console interfaces which are built with multi-factor authentication, encryption, and biometric identity verification. All APIs and Webhook integrations are secured with unique keys for each client.

As of January 2025, Nivo’s AI services are focused on automating broker and customer facing communication and administrative tasks, and external technology calls in and out of systems in the loan origination process. These services are designed to focus on performing administrative jobs rather than higher risk use cases involving key decision determination.