The Organization
Originally founded to serve employees of Baxter Healthcare, BCU now serves 360,000 members across the U.S. and Puerto Rico and is the official credit union for companies like Target, UnitedHealth Group, GEICO, HCA Healthcare, and other Fortune 100 organizations.
The Mission
More than half of BCU’s employees are Certified Financial Coaches, and the organization aims to have 80% certified within the next year. Their mission goes beyond providing products; it includes building lasting relationships by supporting members’ financial journeys.
The Obstacles
As member expectations shifted toward intuitive, 24/7 mobile-first banking, BCU needed a digital platform that could evolve quickly and provide a stellar user experience. Their existing platform lacked robust reporting and a modern user interface.
The Solution
BCU chose Lumin Digital for:
- Cloud-first architecture compatible with BCU’s own cloud migration strategy
- Agile development and weekly releases
- Rich, actionable data, including audit logs and navigation tracking
- SDK and micro app framework for building custom experiences
- A transparent roadmap and responsive collaboration
The Results
89%
Daily logins are from mobile devices
20%
Members log in daily
5-6%
All new memberships are referral-driven
Improved Fraud protection
“The standard solution is feature-rich, but there’s also flexibility in building and customizing for our members. We’re hitting the sweet spot of a good user experience: a good app, and a robust SDK for building personalized user experiences.”
— Bhavna Guglani, SVP and Chief Digital Officer, BCU
