Cosmic was developed in conjunction with B2B Mortgage, which has been in the commercial brokering business since 2006. Cosmic was developed in response to the fact that, as brokers, B2B could not source suitable off-the-shelf software to improve the application experience for clients and to reduce the case management workload for brokers. The additional compliance overheads of FCA regulation are another challenge to the industry that the structured and auditable nature of Cosmic seeks to address.