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Article/Blog
Open banking consent management: How credit unions and community banks can lead the data-sharing experience
Most of your users’ financial accounts are already connected to third-party apps without your visibility or control. Learn how open banking consent management helps credit unions and community banks lead that experience before regulators require it.
Article/Blog
Shadow AI in digital banking: Why it’s eroding consumer trust and what banks and credit unions can do to stop it
Shadow AI is already inside your institution. Learn what that means for member trust and how governed AI closes the gap.
Article/Blog
Fighting Fraudsters with Better Authentication
Last month at Lumin Digital, we rolled out Google Authenticator support to all our client financial institutions, for no additional charge. This feature, which allows users to scan a barcode with their mobile phone and use a rotating, time-based one-time passcode (TOTP) as a replacement for an email or SMS message, helps protect users of…
Article/Blog
How to Build Transparency With Digital Banking Technology
A fundamental difference between a credit union and its competitors — conventional banks and faceless fintech startups — is that a credit union is community-based. This is true not just in the sense that a CU serves a specific community, but also in the sense that a CU is — or can be — a…
Article/Blog
The ROI of Digital Banking Technology Tools
So far, the evolution of financial technology hasn’t been good to credit unions or small regional banks. Non-bank start-ups have done well because their pure-digital strategy keeps costs very low. The big banks have also thrived because they have massive resources to throw into their digital banking platforms. The J.D. Power 2019 U.S. Retail Banking Satisfaction…
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