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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

Under four months

from project delivery to go-live, meeting critical deadlines.

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About humm Group

Established: 1991
Industry: Consumer finance
Products: ADP

The challenge:

Modernising decisioning to meet critical timelines

As humm’s operations in Canada accelerated, the limitations of its existing decisioning infrastructure became increasingly apparent. Making even minor changes to rules or policies required formal change requests, often taking days or weeks to implement. This lack of responsiveness constrained the company’s ability to react quickly to changing market conditions and placed additional pressure on internal resources.

At the same time, broader organisational developments created additional urgency to enhance and modernise their decisioning framework. With a defined delivery deadline fast approaching, humm required a more robust and adaptable solution capable of supporting their aggressive growth trajectory. LendingMetrics was selected to replace their legacy platform, providing the flexibility and scalability needed to deliver within a condensed timeframe.

 

The solution

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Self-serve control

LendingMetrics was selected by humm Canada based on an already successful relationship across humm’s UK and Ireland operations. A key differentiator was the platform’s intuitive self-serve capability, enabling internal teams to manage and refine decisioning logic directly without reliance on external development resource.

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Agile decisioning

The implementation delivered a scalable and agile decisioning framework designed to support rapid operational change. humm Canada can now make real-time adjustments to scorecard components in response to shifting risk conditions, helping the business react quickly to market changes while maintaining strong credit risk oversight.

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Smarter processing

The new framework also improved operational efficiency through the intelligent reuse of bureau data across repeat applications. This reduced unnecessary data costs while streamlining the customer journey. Combined with greater internal control, the approach supports faster decisioning, improved agility and a more efficient lending operation.

The Outcome

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Scalable platform

enabling humm Canada’s aggressive growth trajectory.

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Rapid delivery

achieving go-live in under four months.

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Faster changes

reducing decisioning updates from days to minutes.

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Internal control

reducing reliance on external development resource.

The future

A foundation for further growth

Beyond immediate operational improvements, LendingMetrics has provided humm with a flexible foundation for future development. The solution’s configurability ensures they can stay aligned with evolving requirements and adapt their decisioning approach in line with upcoming product strategies and market opportunities.

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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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