Bath Building Society has partnered with fintech Sikoia to automate document handling, income verification and affordability checks as part of a wider technology overhaul.

The London-based technology firm will integrate its AI-powered platform into the mutual’s mortgage processes, working alongside the cloud-based origination system provided by One Mortgage System.

The move forms part of Bath Building Society’s broader technology transformation programme and its shift towards modern, cloud-based lending infrastructure.

Under the arrangement, Sikoia will provide a suite of automated customer verification capabilities designed to reduce manual processing and improve application quality at the outset.

Applications will be validated at the point of upload, with documents automatically checked for completeness, integrity and policy compliance.

The system is designed to provide immediate feedback where information is missing or inconsistent, reducing rework and back-and-forth between brokers and underwriters.

PAYSLIP INFORMATION

Income and employment data will also be extracted and standardised from payslips and supporting documentation. The platform generates a consolidated income profile and flags risk indicators within seconds, allowing underwriters to focus on assessment rather than data entry.

Bath Building Society is initially using Sikoia via its Ready-To-Go Dashboard, enabling deployment without waiting for full integration into core systems.

In parallel, the technology is available through OMS’s cloud-based lending origination platform, supporting both broker-led and direct applications.

The society said the automation of key verification steps is intended to reduce manual effort and shorten turnaround times, while improving consistency in underwriting decisions.

Alexis Rog (pictured), founder and CEO of Sikoia, said: “Automating verification is one of the most effective ways lenders can drive consistency and quality across the mortgage journey.

“By reducing manual document handling and automating income checks, Bath is strengthening decision-making and supporting a smooth, consistent experience for both brokers and customers.

“We’re pleased to be working closely with Bath to help optimise existing processes as they continue to modernise their technology stack.”

Craig Brown, the Bath’s head of mortgages, added: “Automating document processing and verification will have a real impact on how quickly and consistently we can progress applications.

“By reducing manual checks and providing underwriters with the key information, summarised, we’re able to make decisions faster and give brokers clearer feedback, which ultimately improves the experience for customers.”