LendingMetrics Integrates Credit Kudos Data to Power Advanced Open Banking Decisioning

Finance providers can now integrate Credit Kudos’ Open Banking data into the LendingMetrics Auto Decision Platform (ADP) to enhance credit risk assessments. This integration allows lenders to combine real-time financial behavior with traditional bureau data, streamlining the transition toward more granular, data-driven lending decisions in an increasingly competitive credit market.

What was announced

LendingMetrics has enabled its Auto Decision Platform (ADP) to call upon Credit Kudos data, providing finance firms with a more sophisticated toolkit for assisted decisioning. The integration specifically targets the use of Open Banking data, which includes specialized credit scoring based on actual financial behavior rather than just historical repayment records. This allows providers to measure creditworthiness with higher precision by analyzing real-time income and expenditure patterns.

The update allows ADP users to layer this Open Banking insight with LendingMetrics’ own proprietary CRA data platform, The LendingMetrics Exchange (LMX). By combining these sources, lenders can conduct multi-bureau credit searches alongside Credit Kudos’ suite of products within a single automated workflow. The integration is already being utilized by clients who are looking to manage complex decisioning logic through a unified interface. The goal is to provide an unrivalled range of data sources for firms that have secured the necessary regulatory authorizations to handle such sensitive financial information. By facilitating these complex integrations within ADP, the solution aims to be a more comprehensive tool for lenders operating across various geographies and product types.

"This enhanced integration will give our customer base an unrivalled and ever increasing range of data sources. Once they have gained the necessary authorisations, they’ll be able to seamlessly include more award-winning technology in their decision making and, in doing so, take their businesses to the next level."

David Wylie, Commercial Director of LendingMetrics

The companies involved

LendingMetrics is a UK-based fintech specializing in credit risk software and data solutions. Its flagship Auto Decision Platform (ADP) is designed to help lenders automate their decisioning processes while maintaining control over risk parameters. The firm also operates The LendingMetrics Exchange (LMX), a platform that facilitates multi-bureau data access, allowing firms to query multiple credit reference agencies through a single point of entry.

Credit Kudos, which provides the Open Banking data for this integration, is a prominent player in the credit reference space. The company was acquired by Apple in 2022, a move that signaled a significant shift in the tech giant's interest toward financial services and alternative credit scoring. Credit Kudos focuses on using bank account data to provide a more accurate and up-to-date view of a consumer's financial health compared to traditional credit reporting methods. By leveraging the Revised Payment Services Directive (PSD2), Credit Kudos enables lenders to move beyond static credit scores and look at real-time affordability and risk, providing a more inclusive view of potential borrowers.

What FF News has reported before

FF News has followed LendingMetrics' growth and its increasing footprint in the automated lending sector. The company recently strengthened its leadership team by appointing Jamie Land as Head of Presales to drive innovation in credit risk. This focus on technological excellence was further recognized when the firm secured its seventh consecutive Technology Partner of the Year win. On the partnership front, LendingMetrics has been active in diverse sectors, including a deal with Camco Finance to automate specialist vehicle lending and a digital partnership that saw Chorley Building Society go live with the ADP platform.

What this means

This integration reflects the industry's shift away from "black box" credit scores toward transparent, behavior-based lending. By bringing Credit Kudos into the ADP ecosystem, LendingMetrics is putting pressure on traditional credit bureaus that have been slower to adopt Open Banking at scale. For the wider market, the challenge now lies in consumer consent and data privacy; as more providers gain the ability to call this data, the friction in the application process must remain low to avoid abandonment. The move also highlights the growing importance of orchestration layers in fintech—platforms that do not just provide data, but organize multiple streams into a single, actionable decision.