Nivo

Nivo is a UK-based fintech company that provides secure customer communication, digital onboarding, identity verification, document collection, workflow automation, and lending customer engagement solutions for banks, building societies, lenders, insurers, and financial institutions. Founded in 2018 and headquartered in Manchester, Nivo helps financial institutions digitize customer interactions and streamline processes such as loan applications, KYC verification, document submission, and customer servicing.

Nivo is best known for its secure messaging platform, which combines chat, identity verification, e-signatures, document exchange, and workflow automation into a single customer communication channel. Many lenders use Nivo to improve borrower onboarding, accelerate loan processing, and reduce operational friction.

Unlike a lender, Nivo does not originate or fund loans. Instead, it provides customer engagement and process automation technology that supports lending operations.

SERVICES

• Secure Customer Messaging: Provides encrypted two-way messaging between financial institutions and customers through a mobile-friendly communication platform.
• Digital Customer Onboarding: Enables lenders and financial institutions to onboard customers digitally through guided workflows and automated verification processes.
• Identity Verification (ID&V): Supports digital identity checks using government-issued identification, biometric verification, and integrated identity providers.
• Know Your Customer (KYC) Automation: Helps institutions automate customer due diligence, onboarding checks, and regulatory compliance requirements.
• Loan Application Support: Allows lenders to collect information, communicate with applicants, request documentation, and guide borrowers through the lending process.
• Document Collection: Enables secure submission, storage, and management of supporting documents required for lending, mortgages, and account opening.
• E-Signatures: Supports legally compliant electronic signatures for loan agreements, disclosures, onboarding forms, and financial documents.
• Workflow Automation: Automates repetitive customer service, onboarding, lending, and compliance processes through configurable workflows.

Countries