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Client success story

humm UK

Founded in Australia, humm Group began as a consumer finance lender, widely recognised for its Buy Now, Pay Later (BNPL) offering. The business has since expanded into New Zealand, Canada, and the UK and Ireland. The company continues to broaden its footprint through partnerships with a wide range of retailers, from small businesses to established high street brands, supporting flexible payment solutions for a growing customer base.

Key highlight

Greater control

helping humm UK respond to change and scale more efficiently.

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HUMM-logo
About humm Group

Established: 1991
Industry: Consumer finance
Products: ADP

The challenge:

Building a more flexible and scalable approach

Soon after entering the market, humm UK sought to improve the functionality and flexibility of their decisioning processes to meet their expanding needs. Their goal was to implement a solution that could handle more complex affordability assessments that integrated data from multiple sources. They also required a system that allowed them to quickly and independently adjust rulesets to keep pace with their expansion. Overall, improving operational efficiency and scalability was key, as they needed a decision engine capable of handling increasing application volumes with ease.

The solution

a team meeting in a UK financial office

Self-serve control

LendingMetrics gave humm UK greater control over their decisioning processes, enabling the team to make changes to rules independently and efficiently. This removed the delays associated with lengthy change requests and made it easier to respond as requirements evolved.

Connected-Decisioning

Connected decisioning

The solution enabled humm UK to bring multiple data sources together within a single ruleset, supporting more comprehensive affordability assessments using credit, affordability and Open Banking data. This provided a clearer view of applications while helping the team make better use of the information already available to them.

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Smarter processing

The ability to reuse data across repeat applications helped humm UK reduce unnecessary data costs. Integrated Open Banking data also helped reduce manual intervention and improve application-to-loan times, supporting a more efficient decisioning process.

The Outcome

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Scalable platform

enabling humm UK's aggressive growth trajectory.

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Better use of data

combining multiple sources and reusing data effectively.

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Greater automation

improving application-to-loan times and overall efficiency.

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Improved flexibility

with decisioning rules that can be adjusted internally.

The future

A foundation for further growth

humm UK continues to develop their decisioning approach as the business grows. The team plans to further automate processes, introduce additional data sources and build on their use of Open Banking to support faster, more accurate decisions and improve acceptance rates.

With a scalable decisioning foundation in place, humm can continue refining their approach while maintaining the flexibility and control needed to support future growth.

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  • Matt Whitehall

    “We have been very impressed with LendingMetrics and would not hesitate to recommend them. From where we are as a business and what we’ve implemented, I can’t fault them and do not regret our decision to work with them.”

    Matt Whitehall

    Credit Portfolio Manager - humm UK

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