Proven impact
Create distance your competition can’t close
A clean launch is just the beginning. The longer you run on Lumin, the deeper the relationships, the stronger the engagement, and the greater the measurable impact.
The ROI conversation in digital banking has changed
Lumin clients aren’t just modernized. They’re on a different trajectory.
They aren’t chasing growth, they’re compounding it.
$1.6M → $6.8M
4x increase in annual platform value year 1 to year 5
12.8M
cumulative total 5-year financial impact
$8.8M NPV
145%
discounted ROI over 5 years
91% at three years
10.8 mo
payback period
75%
of total platform value
Net interest income, interchange, and retained user revenue
S&P Global Market Intelligence, Technology Impact on Business Report. Based on a composite of Lumin Digital client deployments.
Turn every interaction into growth
Financial outcomes follow a seamless experience that gets smarter with every interaction. Active users grow. Business accounts expand. Engagement deepens. Product adoption rises. Churn declines.
This is compounding value in action.
95%
annual retention among highly-engaged users
36%
retail member growth across study launches
23%
commercial account growth across study launches
11%
increase in products per user relationship
15%
reduction in overall user churn
$49.59
cumulative 5-year impact
per user
See what changed with banks and credit unions that run on Lumin
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
Lumin has operated as a true partner—collaborative, innovative, and aligned with our commitment to exceptional service. Lumin provided a dedicated transition team with a seamless conversion process, and we are thrilled to work with a digital banking provider that empowers us to offer a digital banking experience that feels personal, modern, and efficient.
Deon Shoaf
COO of First Bank of Berne
When our members are happy, they bring more business to us. The ratings that they give our app has gone up more than double—which isn’t easy to do.
Scott Steinfort
Chief Technology Officer, Community First Credit Union
Our employees are really talking about Lumin in a very great way. The speed [of] innovations and upgrades really keep our staff involved and engaged. It’s not only easy to adapt for our members—but the adoption for our employees is just as high.
Chris Court
Chief Strategy and Innovation Officer, Service 1st Federal Credit Union
100% of Lumin clients renew
Grow user loyalty and partnership on one platform
Users experience a platform that continuously innovates to grow trust, strengthen loyalty, increase product adoption, and drive referrals. For banks and credit unions, momentum builds quarter after quarter, turning user loyalty into a compounding growth engine.
94
NPS
100%
renewal
99.999%
uptime
<5
support tickets
A partnership with Lumin Digital looks like weekly sprint demos, not quarterly check-ins. A phone call, not a ticket queue. A vendor invested in your growth trajectory, not just your renewal. At Lumin, that commitment is structural—built into how the company engages, builds, and measures success. Your partnership compounds alongside the platform.
Every bank and credit union’s story is different.
See what breaking away looks like.
Case Study
BCU drives 5+% referral growth and builds a channel-less banking environment with Lumin
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.
Testimonial
A seamless shift: How Orsa transformed to the Lumin Digital banking platform
Community financial institutions have always been about people first. But as more members manage their money online, how can CFIs continue to ensure a personalized experience and introduce new features and products quickly to support shifting expectations and financial needs? Orsa Credit Union has partnered with Lumin Digital to build an online experience for members…
Case Study
Redwood Credit Union builds a nationally ranked mobile and online banking experience with Lumin Digital
The Organization Redwood Credit Union (RCU), the 28th largest credit union in the U.S., serves more than 500k members and is the largest SBA lender in the North Bay region of California. The Mission “Our mission is to passionately serve the best interests of our members, our team members, and our community. It’s not about…
Case Study
SELCO doubles its digital app rating and deepens member relationships after partnering with Lumin Digital
SELCO Community Credit Union’s mission for 90 years has been to improve its members’ social and economic positions. SELCO invests heavily in personalized service, offering tailored accounts and educational resources for every need and financial stage.
Case Study
Los Angeles Federal Credit Union enables mobile-first digital engagement with Lumin Digital
With nearly 90 years of history, Los Angeles Federal Credit Union (LAFCU) serves more than 75,000 members in the communities of the Greater Los Angeles Metropolitan area.
Testimonial
Citadel Credit Union elevates data insights and member support with Lumin Digital
At Citadel Credit Union, better data means better member experiences. Since partnering with Lumin Digital, Citadel has seen a drop in support calls and secure messages—a sign of how intuitive the platform is for both members and staff. With Lumin Analytics, teams can easily access, explore, and act on the data that drives smarter service…
Testimonial
DuPont Community Credit Union offers a seamless, reliable member experience with Lumin Digital
At DuPont Community Credit Union, digital channels are the primary way members connect with their credit union—making a seamless, reliable experience essential. Partnering with Lumin Digital delivered exactly that: a smooth, simple conversion and a platform that makes every interaction easy. “Lumin makes things simple,” says Michael Tranum, Chief Technology Officer. “From a conversion standpoint,…
Testimonial
University of Illinois Community Credit Union provides a world-class digital banking experience with Lumin Digital
For the University of Illinois Community Credit Union, competing with the largest banks requires more than ambition—it requires the right partner. With Lumin Digital, UICCU proves that even smaller institutions can provide members with a world-class digital experience. “As a smaller financial institution, we don’t have the scale to compete without a partner,” says Kate…
