Duologi Streamlines POS Lending with LendingMetrics Auto Decision Platform

Duologi has implemented LendingMetrics’ Auto Decision Platform (ADP) to internalise its credit decisioning and merchant onboarding processes. By moving away from a hard-coded, outsourced system, the point-of-sale specialist gains the agility needed to manage complex affordability checks and regulatory compliance in real-time, a critical capability for lenders operating in specialist retail sectors.

What was announced

Duologi is now using the Auto Decision Platform for two primary operational functions: assessing consumer loan applicants and onboarding the merchants who offer its finance products. The transition marks a significant shift in the company's technical strategy, as it previously relied on a decision engine built by an external IT firm. That legacy system was hard-coded, which limited Duologi's ability to modify its own credit logic and streamlined processes.

Working alongside analysts from LendingMetrics, Duologi has deployed two distinct engines. The first is dedicated to consumer finance, specifically designed to run affordability checks for individuals seeking point-of-sale credit for purchases such as retail goods or home improvements. This allows for more immediate responses at the point of purchase, where speed is a determining factor for conversion.

The second engine focuses on the B2B side of the business, automating the onboarding of merchants for whom Duologi acts as an underwriter. This engine is unique in its integration, as it runs company checks on prospective merchant partners and connects directly with the Financial Conduct Authority (FCA). This direct link ensures that every merchant is properly authorised to broker finance decisions on behalf of consumers before they are integrated into Duologi’s ecosystem.

The companies involved

LendingMetrics is a technology provider specialising in credit risk and lead management solutions. Based in the United Kingdom, the firm has established itself as a prominent player in the automated decisioning space, frequently being recognised for its technology partnerships. Its flagship Auto Decision Platform (ADP) is designed to allow lenders to build, test, and deploy complex logic without requiring extensive coding knowledge, effectively moving the control of credit policy from IT departments to risk managers.

Duologi operates as a payment partner providing point-of-sale (POS) finance solutions. The company focuses on enabling merchants to offer flexible payment options to their customers, particularly in high-value specialist sectors such as home improvement and retail. By acting as an underwriter and providing the technology to facilitate these transactions, Duologi sits at the intersection of retail and consumer credit. This position requires robust systems to manage risk and maintain strict regulatory standards across a diverse and growing merchant network.

What FF News has reported before

LendingMetrics has been a frequent subject of coverage at FF News, particularly regarding its expanding leadership and industry recognition. We recently reported on the firm's internal growth when LendingMetrics Appoints Jamie Land as Head of Presales to Drive Credit Risk Innovation. The company’s market position was further highlighted when LendingMetrics Secures Seventh Consecutive Technology Partner of the Year Win.

Beyond awards, FF News has tracked the adoption of the ADP system across various financial sectors. This includes the automation of specialist vehicle lending through a deal where Camco Finance Partners with LendingMetrics, as well as the platform's deployment in the building society sector when Chorley Building Society Goes Live with LendingMetrics' Auto Decision Platform.

What this means

This move highlights a broader industry shift away from "black box" outsourced technology toward low-code, in-house decisioning. For point-of-sale lenders, the ability to tweak credit policies instantly is no longer a luxury but a necessity to stay competitive in a fluctuating economic climate. The inclusion of an FCA-integrated merchant onboarding engine is particularly significant. As regulators increase scrutiny on the distribution chain of financial products, lenders are under immense pressure to ensure their merchant partners are fully compliant. Automating this oversight reduces operational risk and sets a benchmark for how specialist lenders must manage their third-party relationships moving forward.