Credit unions are built on a mission of empowerment, prioritizing community investments, financial education, and unmatched support for their members. But today, delivering these personalized services increasingly requires cutting-edge digital capabilities. One forward-thinking credit union set out to level up its digital offerings to ensure every member could experience financial well-being—no matter where or how they banked.

Breaking through barriers

This credit union recognized the game-changing advantages of Lumin’s platform and saw it as the right way to deliver on its digital ambitions, but was interested in finding a way to integrate existing core infrastructure with Lumin’s platform while allowing the credit union to maintain flexibility around future core processing decisions. The credit union asked Lumin to explore a solution to accommodate the institution’s technology strategy, and Lumin agreed to leverage the flexibility of the Lumin Digital platform architecture and continuous delivery strategy to build an integration with a third-party middleware service provider.

Lumin innovation and flexibility: a partnership in problem-solving

Together, both organizations embraced this opportunity to innovate. The teams collaborated to integrate seamlessly with a third-party middleware provider, crafting a robust API architecture that retained full compatibility with the credit union’s banking core and Lumin’s digital banking platform. This innovation set up both institutions to remain agile, adaptable, and future-focused.

“We’re always looking for opportunities to innovate on behalf of our clients, and this project is a great example of how our teams came together and created unique solutions for specific needs,” said Sean Weadock, Lumin’s chief product officer. 

“Our product strategy includes finding ways to incorporate middleware providers into our platform, which can provide additional flexibility and options to our clients. Our platform must be versatile in order to adapt to both current and future conditions, and middleware solutions are an integral part of our digital banking strategy.”

Unleashing next-level digital banking

The credit union’s launch on Lumin Digital’s platform has been nothing short of transformative. Adding a layer of middleware did not negatively affect the credit union’s launch or reduce feature availability. Our client still accepts weekly platform releases, enjoys every platform feature, and can offer their users everything within the Lumin Digital banking platform.

Without operational interruptions, the credit union’s members now enjoy a comprehensive digital experience that rivals—and even exceeds—that of much larger institutions. Advanced features like multi-factor authentication, money transfers, commercial and retail banking capabilities, digital account opening for new members, and robust debit and credit card controls redefine convenience and security, setting a new standard for digital banking in the credit union space.

Relentless client-centricity

At Lumin Digital, our focus is simple: meet clients on their terms and deliver tailored digital transformations. The success of this middleware integration showcases Lumin’s commitment to adapting our engineering processes to address each client’s specific needs. By embracing innovation and putting our client’s member experience at the forefront, we delivered an on-time, seamless launch—no disruptions, just results.

This partnership underscores Lumin’s vision: enabling credit unions to thrive by empowering their members through forward-looking, adaptable, and truly future-ready platforms.