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 8M+ 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.
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
What Lumin has enabled us to do is compete with the big banks that have billions of dollars.
Kate Rogers
Chief Innovation Officer and SVP, Digital and Payments, University of Illinois Community Credit Union
Insights
We think forward
We don’t wait for progress. We drive it. Explore industry insights and perspectives.
Article/Blog
Insights on consumer trust, use, and opportunity for AI in financial services
AI is becoming more efficient, affordable, and accessible, lowering barriers to advanced AI and accelerating adoption. And yet, widespread consumer adoption is still in its early days. According to Lumin Digital’s consumer study, 83% of digital banking users are aware of AI tools (from any sector), but only 13% use them regularly. This signals an…
Whitepaper
Report: How AI will influence the future of digital user engagement
AI is opening a new chapter in digital banking—one that’s more personal, intelligent, and intuitive. Beyond machine learning, emerging technologies like natural language processing, generative AI, and agentic AI are helping financial institutions simplify operations, personalize every user interaction, and deliver digital experiences that feel truly human. In Lumin’s latest research report, we explore how…
Article/Blog
Beyond the Black Box: Transparency, Privacy, and AI in Digital Banking
Financial decisions are deeply personal, categorically unique, and multi-dimensionally complex.
Infographic
Shaping the future of digital banking, together: How Lumin Digital and each client build a lasting partnership through go-live and beyond
Explore what life as a Lumin client really looks like. Spoiler: it’s transparent, collaborative, and designed to keep delivering value—week after week, year after year. Whether it’s our weekly sprint demos, monthly product strategy sessions, quarterly business reviews, or simply day-to-day interactions, we’re deeply invested in helping you grow, serve your users, and lead your…
Article/Blog
Lumin Digital’s strategic approach to incorporating AI into a digital banking platform
Lumin Digital’s approach to incorporating AI into its product strategy and digital banking platform is intentional, measured, and designed to build trust with clients and users. AI is used to enhance the user experience and operational efficiency while protecting both from fraud and privacy leaks. We have four pillars: 1 High-value AI Target areas where…
Infographic
De-risking your digital banking transformation: How to ensure an on-time, on-budget launch
An intuitive digital experience is the key to user trust, acquisition and retention, faster time to market, and lower costs for community financial institutions (CFIs). So why would a CFI hesitate to switch digital banking tech providers—even when their current platform alienates users with persistent outages, a lack of modern capabilities, and infrequent updates that…
Article/Blog
RECAP: Lumin Chief Commercial Officer Kelley Michalik on the Importance of Speed, Trust, and Adaptability in Digital Banking
Lumin Digital Chief Commercial Officer Kelley Michalik recently joined the Fintech Hustle podcast for a wide-ranging conversation on the future of community banking, digital experience, and how credit unions and community banks can outpace larger competitors. In a conversation that spanned everything from go-to-market innovation to personalization at scale, Michalik underscored how community financial institutions…
Article/Blog
Trust and intentional design: An AI roadmap for CFIs
Written by Sean WeadockAs first seen in CUInsight, July 30, 2025 Emerging AI technologies—spanning natural language processing (NLP), generative AI (GenAI), and agentic AI—are rapidly reshaping the financial services landscape. They are becoming an increasingly practical and powerful force with the potential to transform how people engage with their finances. These tools have the promise…
Article/Blog
RECAP: Lumin Founder and CEO Jeff Chambers on leadership, innovation, and the future of digital banking
Lumin Digital founder and CEO Jeff Chambers recently appeared on the Fintech Cowboys podcast to discuss how strong leadership, a culture of innovation, and a focus on disciplined execution have shaped Lumin’s growth. In a wide-ranging conversation, Chambers shared what differentiates Lumin in a crowded digital banking landscape, how to build a lasting company, and…
Whitepaper
Unlocking the path to a successful digital banking transformation
Action guide to resolve perceived barriers and move confidently forward Many financial institutions recognize the need to shift to a future-ready banking platform—to upgrade their user experience and pave the way to enhanced loyalty, share of wallet, and revenue opportunities. But perceived obstacles, often based on past experience, can lead to hesitation and delay. Read…