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Article/Blog
Digital defines banking relationships
For many users, the app isn’t just how they access their bank, it’s the relationship itself. Lisa Daniels, COO of Lumin Digital, explores why mergers expose this truth, why digital deserves the same accountability branches always had, and how AI, prioritization, and trust will define the next era of banking experiences.
Article/Blog
5 reasons financial institutions choose Lumin Digital’s commercial banking platform
Commercial relationships bring higher balances, more products, and longer retention, but many digital banking platforms were never built to support them. Discover five reasons financial institutions choose Lumin Digital’s commercial banking platform, from unified retail and commercial support to true real-time banking and a pace of innovation that keeps climbing.
Article/Blog
What Are Zero-Downtime Upgrades, and Why Do They Matter for Your Financial Institution?
As a financial institution, your customers fully expect their online banking experience — whether via a Web browser or the mobile app — to be available and functioning every time they access it. They expect to be able to view their accounts, make a transfer, pay bills, even take a photo of a check for deposit. In…
Article/Blog
Member-First: The Importance of the Customer Journey and Personalization
The “member experience” is central to credit unions, and in theory, it’s a key differentiator between CUs and their rivals: banks and (increasingly) digital-only fintech platforms. In practice, it’s ever-more-difficult to provide a genuinely superior experience for your members. Increasingly they’ll choose to bank digitally, so getting to know them face-to-face is not the option…
Article/Blog
Remaining Agile and Innovative During Slow-Growth Periods
Even the best-run institutions seldom enjoy an indefinite run of steady, gratifying growth. Banking trends run in cycles and slowdowns and reversals will happen, sometimes with little warning. Some institutions will hunker down defensively, conserve their resources, and wait for the situation to improve. Others will leap to the opposite extreme, reacting with alarm and…
Article/Blog
5 Tried-and-True Banking Practices to Take Into the Digital Age
While the white marble pillars of traditional financial organizations may have come down long ago, a number of banking practices and principles still shouldn’t get left behind. With digital innovations making banking continually more convenient on any mobile device or computer, even digital financial institutions would be wise to keep some of these evergreen practices…
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…
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