Business & Technology
OMS adds Curvestone AI compliance checks for mortgages
One Mortgage System has integrated Curvestone AI’s compliance checking into its mortgage case workflow. The feature is already live with TMG Mortgage Network and Connect for Intermediaries.
The integration adds automated checks to cases submitted through the OMS platform, used by mortgage intermediaries and lenders in the UK. Submitted files are reviewed for completeness, consistency and compliance, with issues such as missing documents, data mismatches, suitability gaps and regulatory exceptions flagged within the existing OMS interface.
This allows compliance teams to assess every submitted case rather than rely on sample-based file reviews. The system examines documents including fact finds, income evidence, bank statements, identification, suitability letters and other supporting paperwork against a firm’s compliance checklist.
The process does not require brokers to change how they submit cases or learn a separate system. Each check also generates an audit trail showing what was reviewed, what was found and the basis for each finding.
Curvestone said it developed the compliance checking technology through engagement with the Financial Conduct Authority’s Innovation programme. That work helped shape explainability and audit requirements for AI-assisted compliance decisions.
For OMS, the move adds another function to a platform that already handles customer relationship management and loan origination. The business has more than 3,200 broker subscribers and has built lender origination systems for nine lenders, while lending transacted by users of the platform averaged GBP £1.7 billion a month in the second half of 2025.
Neal Jannels, managing director of OMS, said the integration fits the company’s focus on cutting administration in the mortgage submission process.
“Everything in OMS is about reducing re-keying and reducing the time required for brokers to submit a case,” said Neal Jannels, Managing Director of OMS. “This integration adds a new layer to that. Compliance should support brokers, not slow them down – and by embedding Curvestone’s capability directly into the OMS case journey, every submitted case gets reviewed to a consistent standard, with issues flagged to the case checker immediately.”
Early users
TMG Mortgage Network and Connect for Intermediaries are the first named users of the new workflow. TMG has more than 300 advisers, while Connect for Intermediaries has more than 350 advisers and access to more than 200 lenders.
The rollout indicates the target market for the integration: mortgage networks and intermediary firms handling large volumes of case files and compliance reviews. In those businesses, file checking can be labour-intensive, particularly when teams review only a sample of submissions because of time and staffing constraints.
Dawid Kotur, Chief Executive Officer and Co-Founder of Curvestone AI, said the traditional balance between full oversight and cost had become difficult for firms to sustain.
“The mortgage industry has accepted a trade-off in compliance oversight that shouldn’t exist: review everything even as your adviser base grows, and go broke, or sample-check and hope for the best,” said Dawid Kotur, Chief Executive Officer and Co-founder of Curvestone AI. “This integration makes it possible for every submitted case to be reviewed to a consistent standard, with issues being surfaced immediately. It’s 100% coverage without adding headcount, and outputs explainable enough to satisfy a regulator. It doesn’t replace human judgement but it ensures human judgement is applied where it matters most.”
At TMG, the system has been introduced as part of a broader investment in technology and operational support. The network said the aim is to use automation to free up staff time for training and adviser development rather than replace employees.
“TMG is investing heavily in the infrastructure, technology and people needed to become the leading mortgage network in the UK. We are going all in on AI, not to replace people, but to free up resource so we can invest even more time into training, development and helping our members grow. Our ambition is clear: to give advisers the best tools, the strongest support and the best platform in the market to build bigger, more profitable businesses. This is the start of a long-term AI partnership with Curvestone and another clear statement that TMG is here to lead and here to make a mark,” said Scott Thorpe, Founder and Chief Executive Officer of TMG Mortgage Network.
Review times
Connect for Intermediaries said the new process is already reducing review times. Work that would usually take between two and three hours for a file review can now be compressed into minutes, allowing compliance staff to focus on feedback and coaching.
That matters in a market where firms are under pressure to maintain oversight standards across growing adviser bases. Consumer Duty and wider conduct expectations have pushed mortgage businesses to show not only that checks are in place but also that decisions and interventions can be evidenced.
Liz Syms, Chief Executive Officer of Connect for Intermediaries, said the system was designed to support that approach.
“At Connect, we’ve always believed that technology should strengthen compliance standards, not just add process. Working with Curvestone, we are starting to see the system compress what has traditionally been a two-to-three-hour file review into minutes. That ultimately frees our file reviewers to concentrate on higher-skilled work such as the feedback and coaching that genuinely raises adviser standards. It means better oversight across a larger volume of cases, which is better for our advisers, our compliance team and ultimately our clients,” said Liz Syms, Chief Executive Officer of Connect for Intermediaries.
The integration is due to be made available across the wider OMS client base, with tailored compliance checklists for larger firms and a standard setup for smaller businesses.
JOSEPH GABRIEL LAGONSIN
News Editor
Zippd has published consumer research on delivery speed in retail purchasing decisions, finding that faster fulfilment is influencing where shoppers choose to buy.
The survey of 2,050 UK adults found that 19% of consumers would switch to another retailer if it could deliver significantly faster. Among those aged 25 to 44, 42% said they were more likely to buy from a retailer offering same-day delivery.
The data suggests delivery speed is moving beyond a back-end logistics issue and becoming a more visible part of the sales proposition. According to Zippd, fulfilment is starting to affect retailer choice, purchase intent and conversion, rather than only the post-purchase experience.
Fast delivery may also influence impulse buying. More than one in four consumers, or 27%, said faster delivery made them more likely to make last-minute purchases.
Price pressure
The research also examined what shoppers would pay for quicker service. Around four in 10 consumers said they would pay more than £2 for faster delivery, whether buying from a traditional retailer or a marketplace.
That willingness dropped once the price rose above £5. The figures suggest retailers may face a narrow pricing window if they want to offer faster fulfilment without deterring demand.
Zippd said this suggests rapid delivery may be more viable as a widely available convenience than as a premium add-on. That could matter for retailers balancing customer expectations with the cost of offering quicker delivery options.
The shift appears to be particularly visible in online marketplaces, where speed and convenience are promoted alongside product range and price. In that model, fulfilment becomes part of customer acquisition as well as a factor in conversion.
Changing journey
The research forms part of Zippd’s Instant Commerce Index, which examines how the gap between product discovery, purchase and delivery is narrowing. Zippd argues that fulfilment now has greater influence across more stages of the shopping journey.
Gemma Taylor, Co-founder of Zippd, described the company’s view of the change in consumer behaviour: “The most significant finding isn’t that customers want faster delivery – retailers have known that for years. What’s changing is the role fulfilment plays within the customer journey. We’re beginning to see this shift as more brands and marketplaces are making fulfilment speed a visible part of the customer proposition, enabling brands to differentiate beyond product and price alone.”
The figures add to wider pressure on retailers to compete on convenience as well as assortment and pricing. As delivery windows shorten, speed appears to be becoming part of how consumers discover, assess and buy products across a broader range of categories.
Zippd provides fulfilment technology for eCommerce brands and marketplaces managing delivery across seller networks. Its systems connect with eCommerce and delivery platforms to help businesses manage fulfilment through a single network.
The research was conducted online among UK adults.
JOSEPH GABRIEL LAGONSIN
News Editor
Omada by TP-Link has launched its Fusion Gateway range, with the first products aimed at installers and managed service providers serving small and medium-sized businesses.
The launch centres on Fusion 2.5G, the first product in the new family, alongside Fusion G+ and Fusion 2.5G PoE.
The new gateways are designed to reduce deployment complexity and lower ownership costs for channel partners managing multi-site networks. A built-in controller provides cloud-based management through the Omada Cloud portal and Omada app, without the need for a separate device licence.
The approach targets a common pressure point for installers and MSPs, which must balance tighter customer budgets with the growing complexity of distributed networks. The range supports remote monitoring, configuration and troubleshooting across multiple locations from a central management interface.
Product features
Fusion 2.5G includes five 2.5G ports and supports up to 4-WAN load balancing with auto failover. It also offers advanced IDS/IPS, multiple VPN protocols, optimised ACL, QoS and full-mesh SD-WAN for distributed network environments.
Omada has also added Bluetooth setup through the app, allowing installers to automatically discover and batch-adopt other Omada networking devices to speed up installation.
Installation options include desktop, wall-mounted and rack-mounted deployments, giving partners more flexibility when fitting equipment into different customer sites, from small offices to structured network cabinets.
A 2.51-inch touchscreen is one of the more visible hardware additions. It provides real-time visibility into device status, traffic and diagnostics without requiring a laptop on site, which could help engineers identify faults more quickly and reduce repeat visits.
Remote access
Another feature in the range is Omada LightLink VPN, which enables one-click remote access through an invite link. Remote users and branch locations can connect through an app or web interface.
The focus on remote access and central oversight reflects broader changes in the small and mid-sized business networking market. Businesses with multiple branches, hybrid workers and lean internal IT teams are relying more heavily on service providers to monitor and maintain connectivity across separate sites.
That has increased demand for tools that reduce manual setup and simplify support after installation. Omada is positioning Fusion Gateway as a range built around that need, particularly where ongoing licence fees can affect margins over time.
Ben Allcock, Vice President of B2B at TP-Link UK&I, commented on the pressures facing the market.
“Customers are dealing with increasingly complex networking environments, and they’re turning to channel partners for help in keeping everything running smoothly,” said Ben Allcock, Vice President of B2B at TP-Link UK&I.
“Our new Omada Fusion Gateway range enables partners to meet these demands by streamlining installation and setup, while delivering powerful remote cloud management capabilities that reduce IT workload. The result is higher customer satisfaction and stronger profitability for partners,” said Allcock.
Wider portfolio
The new gateway range sits within Omada’s broader business networking portfolio, which includes gateways, access points and switches. The ecosystem is also expanding into cameras and network video recorders, with the aim of bringing networking and surveillance products into a more unified management framework.
Omada said Fusion Gateway sits at the centre of its ecosystem by enabling unified management of connected devices across multiple locations. In practice, that gives the product family a key role for customers and service providers that want to standardise infrastructure on a single vendor platform.
The company also referred to a forthcoming Fusion Pro series, but did not provide detailed specifications in the launch announcement. The Pro line will support integrated management of networking and surveillance devices, including Omada and VIGI products, for more advanced multi-site environments.
For now, the immediate commercial focus is on the first Fusion 2.5G models and their appeal to installers and MSPs looking to reduce setup time, centralise support and avoid additional licensing charges. The range launches as service providers face growing demand to manage larger numbers of distributed small business sites with limited technical resources on the customer side.
Ryan Harrison, founder of Harrisons Fish & Chips in Elms Parade, Botley, has been named a finalist in the 2026 Alicia Bank Great British Entrepreneur Awards.
Known as the ‘Grammys of entrepreneurship’, the awards were set up in 2012 to celebrate the most exceptional and inspiring business stories across the UK, recognising entrepreneurs from every nation and region for their innovation, impact and resilience.
READ MORE: Pricing row as Deliveroo and Oxford fish and chip shop part
Specifically Mr Harrison has been named in the Consumer Entrepreneur of the Year category.
He said: “5 years ago I didn’t think I would be where I am today.
“Through fish and chips it has changed my life and given me so many exciting opportunities!”
2026 has already been a successful year for the fish and chip shop boss, as his business won the Menu Innovation category at the National Fish & Chip Awards and was listed in the Top 10 in the Takeaway of the Year category,
READ MORE: Oxford fish and chip shop scoops top prize at UK awards
Frankie James, founder of the Great British Entrepreneur Awards, said: “This year’s cohort represents billions in turnover and tens of thousands of jobs, but what I’m proudest of is the determination behind those numbers.
“These are founders who have stuck with it through every kind of year, and championing them is exactly why we do this.”
Conrad Ford, of chief sponsor Allica Bank, added: “What stands out this year is the optimism and ambition that continue to define the UK’s established business community.”
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