disruption-proof digital banking
The future is anywhere, anytime, and always on.
Engage and grow. Maximize efficiency. Evolve without limits.
Welcome to Lumin Digital.
Trusted by leading financial institutions to serve their 5M+ users. Transform with confidence.
(Re)imagining the forward for anywhere, anytime banking
We don’t settle for the status quo. We think, innovate, and move the standard for excellence forward. With every innovation, we reset the expectations of the industry.
Near 90 NPS score
Our team of seasoned industry experts has over 240 years of combined experience who bring tried-and-true methodology to ensure success. With a near 90 NPS score, we move the standard of excellence forward.
100% on-time launches
With a client-centric approach, proven methodology, and a track record of 100% on-time launches, we ensure a seamless transition that positions you for long-term success.
220+ yearly product enhancements. 99.999% uptime.
We drive the power of innovation forward with weekly updates and zero disruption.
Impact, realized
Our clients experience growth and realize tangible ROI.
Accelerated growth
$18M deposit growth in a single month by offering a new banking product users can open on their own, anytime, anywhere
Increased cost savings
$75K/month cost reduction by decreasing reliance on call center and implementing Lumin’s self-service features
Differentiated user engagement
Top 5 highest-rated digital banking applications on mobile app stores
Different by design
Engineered for excellence
Our platform, born in the cloud, adapts to new technologies without major overhauls. With robust security features and unmatched reliability, we ensure your services remain uninterrupted and cutting-edge.
Our cloud-native platform adapts to new technologies without major overhauls. We ensure your services remain uninterrupted.
Always ready
Stay ahead of the curve
Our platform solutions are designed to drive value and offer tailored digital banking experiences through AI-driven tools, seamless onboarding, and consistent access across all devices. Our advanced analytics provide smart insights to continually enhance user experiences and power impactful marketing programs.
Our platform solutions are designed to drive value and offer tailored digital banking experiences.
Anywhere. Anytime.
Innovate without disruption
Stay ahead with weekly updates and new features, all without downtime. Our agile, API-enabled, microservice architecture ensures you can adapt and scale effortlessly to give your users anytime, anywhere retail, commercial, and digital account opening access.
Stay ahead with weekly updates and new features, all without downtime.
Intelligence
Security
Framework
Services
Tenant
Native
Analytics
Management
Support
Engagement
Banking
Banking
Innovations
Opening
We’re not just looking to solve today’s problems. We want to ensure that we’re [working with partners who] are thinking ten years down the road.
Tansley Stearns
President and CEO, Community Financial Credit Union
Lumin makes things simple and easy. From a conversion standpoint, this was one of the smoothest transitions we have made in our credit union’s history. Every single milestone–every single promise [Lumin] made to us–they have executed on. And they have executed well.
Michael Tranum
Chief Technology Officer, DuPont Community Credit Union
As a small financial institution, we don’t have the scale to compete without a partner. What Lumin has enabled us to do is compete with the big banks.
Kate Rogers
Chief Innovation Officer, U of I Community Credit Union
Insights
We think forward
We don’t wait for progress. We drive it. Explore industry insights and perspectives.
Q&A
A Conversation with Lumin Digital Founder and CEO Jeff Chambers
Recent news from Lumin Digital welcomed over 20 new partners from its client community as investors in its shared success. This follows on the heels of the growth equity funding announcement in December 2024. These announcements cement Lumin Digital’s category leadership in digital banking — providing a solid foundation for future innovation, expansion, and long-term…
Guest Blog
From engagement to growth: How Larky is driving deposits and meaningful results
Financial institutions face increasing challenges in engaging their account holders effectively. As consumer expectations shift, the traditional methods of communication—email, direct mail, and even social media—are failing to produce meaningful interactions. Account holders are bombarded with generic marketing messages, making it difficult for financial institutions to cut through the noise and drive real action. The…
Article/Blog
What it takes to secure an always-on digital banking platform
By: Sean McElroy As first seen in the Forbes Tech Council, November 21, 2024 Whether consumers know it or not, digital banking providers are essential partners for financial institutions. They deliver transformational, forward-thinking tools to help consumers manage their financial lives and grow their relationships with financial institutions. They are also critical infrastructure providers securing the…
Article/Blog
Financial institutions can bolster member security with passkey technology
By: Sean McElroy, Chief Risk Officer, Lumin Digital First published in Credit Union Times, May 27, 2024 Credit unions and other financial institutions count cybersecurity among their top business concerns amid an ever-changing technology landscape. Not only is cybersecurity foundational to operations, but it is also critical to maintaining customer trust. Traditional two-factor authentication methods…