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Article/Blog
Driving double-digit engagement growth
Digital engagement has become one of the strongest predictors of long-term financial institution growth. Highly engaged digital banking users have a 95% annual retention rate, and with many institutions spending $800 or more to acquire a single new customer or member, the economics of engagement are critical to sustained profitability. That’s why we set out…
Article/Blog
Metrics that matter when evaluating your digital banking platform
Digital banking has become the dominant way consumers manage their financial lives, with recent surveys showing that a majority of U.S. bank customers now use mobile and online channels as their primary methods for everyday banking. According to the American Bankers Association’s 2025 consumer survey, 54% of customers use mobile apps most often to manage…
Article/Blog
RECAP: Lumin Founder and CEO Jeff Chambers on leadership, innovation, and the future of digital banking
Lumin Digital founder and CEO Jeff Chambers recently appeared on the Fintech Cowboys podcast to discuss how strong leadership, a culture of innovation, and a focus on disciplined execution have shaped Lumin’s growth. In a wide-ranging conversation, Chambers shared what differentiates Lumin in a crowded digital banking landscape, how to build a lasting company, and…
Whitepaper
Unlocking the path to a successful digital banking transformation
Action guide to resolve perceived barriers and move confidently forward Many financial institutions recognize the need to shift to a future-ready banking platform—to upgrade their user experience and pave the way to enhanced loyalty, share of wallet, and revenue opportunities. But perceived obstacles, often based on past experience, can lead to hesitation and delay. Read…
Article/Blog
Conquer the 4 concerns likely delaying your digital banking transformation
In today’s banking landscape, where more than 70% of people prefer to bank digitally, the ease of that experience determines consumer loyalty. Financial institutions (FIs) are well aware that customers expect a banking experience as fast and intuitive as shopping online or reserving a car service. Yet many FIs whose technology can’t deliver that experience…
Whitepaper
The digital banking channel: Making it a profit center
Written by Ron Shevlin, Chief Research Officer, Cornerstone Advisors — Commissioned by Lumin Digital For community banks and credit unions, the digital channel has become a cost of doing business. But what if it could become a profit center instead of a cost center? Shifts in consumer behavior, competitive pressures from fintechs, and, most importantly,…
On-Demand Webinar
Outperform the competition: Future-ready digital banking technology
Innovation can’t wait—discover how leading credit unions are moving faster and growing smarter. Watch this on-demand webinar to hear from credit union leaders who are transforming their digital banking strategy with Lumin Digital. Learn how they’re meeting rising member expectations, accelerating innovation, and positioning their institutions for long-term success. You’ll gain insights into how a…
Article/Blog
Human-inspired digital banking design engages users and builds long-term digital relationships
Users are looking for and expecting intuitive, human-centered, and deeply personalized experiences that evolve as their expectations and financial needs shift. At Lumin Digital, we believe the key to delivering on that expectation is continuous activation. What is continuous activation? At its core, continuous activation is about creating ongoing value that evolves as the user’s…
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