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Digital Lending


Flexible, User-Friendly Platform Accelerates Expansion into New Markets

  • Time to market – system launched in less than 3 months
  • Reduced manual effort
  • Quickly and simply integrate local data sources
  • Near instant decisioning for customers
  • Ability to quickly scale to support growth
  • Flexibility to easily make changes

“We needed a flexible solution that was easy to deploy to support our expansion into new markets. Provenir gives us the ability to build and configure whatever we want. The time to market and the ability to quickly integrate to new data sources were key differentiators in our selection of Provenir.”


The Challenge

With successful operations in the UK, Ireland, Australia and New Zealand, humm decided to expand its purchase financing offerings into Canada. To launch this start-up business, they were looking for a proven system that was fully configurable to meet their business needs as they grew and evolved their offers.

They wanted a system that is user-friendly and easy to modify to credit, risk and fraud elements specific to the Canadian market.

They had a very short timeline to launch into this new market so speed of implementation was critical. The ability to quickly integrate to external data sources in Canada such as the credit bureau was also a key requirement.

The Solution

humm evaluated their existing decisioning systems as well as other vendor offerings and selected Provenir for several reasons, including ease of configuration and how easy it is to build integrations to third-party data sources. Provenir is integrated as part of their automated customer onboarding and credit limit assessment processes. In addition to internal data sources, humm orchestrates data from TransUnion, LexisNexis, Flinks, and GBG via Provenir to gain a holistic view of applicants’ financial health.

The Results

With Provenir, humm can make quick and accurate decisions, delivering near instant decisioning for customers. It has allowed a more streamlined process for humm, reducing manual efforts and providing valuable insights to optimize humm’s lending strategies.

This agility puts humm at the forefront of digital lending Canada.

About humm

  • Solution:
  • Facts:

    humm Canada is focused on payment financing solutions. Its financing products are a middle ground between cash and revolving credit, giving borrowers a better option: a flexible, transparent and structured repayment plan that allows Canadians to fit purchases into their unique budget.

  • Website: