At NivoCon 2025, one of the most engaging sessions came courtesy of a panel chaired by Alex Hammond of Square1 Media. The theme?

Can AI really handle the complex cases traditionally reserved for human expertise?

Diverging Opinions

The discussion was lively. Jason Oakley, CEO of Afin Bank, argued that true complexity still requires manual underwriting, pointing to the nuances of specialist lending that only experienced humans can navigate.

Buster Tolfree, Director of Mortgages, United Trust Bank, countered, suggesting that complexity is simply “another data point” and that with the right design, AI can manage even the most intricate cases faster, more accurately, and with complete consistency.

Where Everyone Agreed

Despite differences, there was clear consensus on AI’s ability to deliver value today:

• Fraud detection, AI’s pattern recognition is already surpassing traditional methods.
• Process acceleration, reducing friction, eliminating delays, and packaging cases “right first time.”
• Customer relationships, freeing brokers from admin to focus on trust, advice, and growth.

As one panellist put it:

“AI shouldn’t replace brokers. But brokers who use AI will outperform those who don’t.”

The Nivo Perspective

This is exactly why we built Nivo AI. Our industry-tailored AI is designed for the realities of specialist lending, not the oversimplified use cases of generic platforms.

By turning complexity into clarity, Nivo delivers on the promise of right first time:

✅ One prompt. A fully packaged case.

✅ Accurate, compliant, and complete, every time.

✅ Faster completions with no costly back and forth.

Looking Ahead

The panel may have disagreed on where the line between human and AI sits, but at Nivo, we’re proving every day that the line is moving fast.

And the winners will be the brokers and lenders who lean in, adopt early, and get ahead.

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