At FTT Lending we sat down with Matthew Addison, Chief Commercial Officer at LendingMetrics, to explore how lenders can balance tightening regulation with the need to innovate. With over 15 years in the market and supporting more than 85 UK clients, LendingMetrics sits at the heart of credit decisioning transformation.

As regulatory pressure increases around credit decisioning and data usage, Matthew highlighted a key challenge: traditional technology often struggles to keep pace. His perspective is clear, lenders need more control. By enabling teams to adapt decisioning frameworks, policies, and processes themselves, organisations can respond faster to regulatory change without relying on lengthy development cycles.

Looking ahead, while AI inevitably enters the conversation, Matthew offers a measured view. The real opportunity lies not in rushing towards fully autonomous decisioning, but in thoughtfully integrating AI in ways that remain transparent, compliant, and practical. The future may include agentic AI, but for now, success depends on building strong, adaptable foundations.

Watch the full interview to hear Matthew’s take on where lending technology is really heading:

If you would like to explore more about AI, our upcoming event FTT AI Transformation, taking place on 25 June in London, is one you won’t want to miss.