New capability combines insights with in-app tools, giving banks and credit unions a more direct way to increase adoption and improve engagement
San Ramon, California — October 6, 2026 — Lumin Digital, the Compounding Growth Platform for banks and credit unions, today announced the commercial launch of Lumin Signal, a new capability that gives financial institutions greater visibility into how retail and business users navigate the digital banking experience and the tools to act on those insights directly within the Lumin platform.
Banks and credit unions have long had access to data showing what users do in digital banking, from logging on and paying bills to transferring funds and depositing checks. Lumin Signal provides visibility into the experience surrounding those activities: how users move through the platform, which features they engage with, where they abandon a process, and which capabilities are going undiscovered. Financial institutions can act on those insights directly within the digital experience and measure the impact, creating a continuous feedback loop between understanding user behavior and improving the experience.
“As digital banking plays a bigger role in the relationship between financial institutions and their users, understanding how users engage with that experience becomes increasingly important,” said Sean Weadock, Chief Product and Technology Officer at Lumin Digital. “Lumin Signal gives our clients a deeper understanding of how people are using digital banking, helping them identify opportunities to increase adoption, improve the experience, and generate more value for the capabilities they already have.”
Unlike standalone behavioral analytics tools that require extensive setup before institutions can begin collecting meaningful data, Lumin Signal is purpose-built for the Lumin platform and comes preconfigured across more than 100 pages and 700 features. Features are already tagged using banking-specific terminology, including Stop Payment, Skip-A-Pay, Remote Deposit Capture, and Positive Pay, allowing institutions to begin analyzing behavior immediately.
Lumin Signal allows banks and credit unions to move beyond identifying friction points to resolving them directly. Key capabilities include:
- Behavioral analytics: Feature adoption, session paths, funnel drop-off, and retention are tracked across the Lumin platform through pre-built dashboards that surface insights without requiring a data team or custom reporting setup. Results can be viewed across eight ready-to-use audience segments, including breakdowns by account tenure.
- Guides: Admins build and publish in-app walkthroughs, tooltips, announcements, and onboarding flows directly from the Lumin Signal interface, no engineering, no integration project, no waiting on a release. A guide can go live the same day it’s conceived. For example, a single eStatement adoption guide that converts 15% of a 100,000-account paper-statement base could be worth roughly $540,000 a year.
- Surveys: In-app surveys capture user feedback in context, embedded directly into the app experience at the moments that matter, without launching a separate research effort.
Because Lumin Signal runs natively within the Lumin platform, clients can add this capability without implementing and managing a separate third-party platform or vendor relationship. Lumin Signal also complements Lumin Analytics, which gives banks and credit unions individual, transaction-level visibility. While Lumin Analytics tells banks and credit unions what a specific user did, Lumin Signal tells them how the broader user base experienced it and provides them with the tools to respond. The two capabilities may be purchased independently.
For bank and credit union leaders, Lumin Signal is designed to help close a persistent measurement gap in digital banking: while adoption metrics are widely tracked, quantifying the return on investment in digital banking has remained largely ad hoc. By connecting user experience data directly to actionable steps banks and credit unions can take, Lumin Signal provides a clearer way to report progress and return on investment to executive leadership and the board.
To learn more or request a demonstration, visit lumindigital.com.
About Lumin Digital
Lumin Digital is the Compounding Growth Platform for banks and credit unions. Purpose-built versus assembled, Lumin’s cloud-native, AI-accelerated system doesn’t just support growth; it accelerates it over time. The longer a financial institution runs on Lumin, the further ahead it gets — more users, deeper engagement, stronger retention, and expanding revenue compounding quarter after quarter. With unified, embedded intelligence that compounds alongside growth, every FI on Lumin builds a structural competitive advantage that widens over time. Lumin Digital. Built to break away and win. For more information, visit lumindigital.com, and follow on LinkedIn.
Press Contacts
Brigid Richelieu
Director of Communications, Lumin Digital
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