Insights
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Explore industry insights and perspectives.
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
Digital banking health check: 5 areas that predict growth or risk
Hailing a ride, ordering food, opening a checking account: customers expect all their daily transactions to be instant, intuitive, and always available. Is your architecture legacy, early modern, or future-ready? Many financial institutions (FIs) struggle to meet consumers’ expectations for digital banking because they’re held back by decades-old technology. Whether still operating on fully legacy…
Article/Blog
Clarity, cadence, and culture: How Lumin Digital turns yesterday’s implementation playbook on its head
Lumin Digital’s secret sauce for achieving 100% on-time launches isn’t magic; it’s intentionality.
Article/Blog
Successful launches every time
How Lumin elevates speed and precision so you don’t have to choose between them.
Article/Blog
From go-live to growth: How implementation sets the stage for ongoing success
With digital banking implementations, taking long-term scalability, support, and change readiness into account—sets the stage for ongoing success.
Article/Blog
Insights on consumer trust, use, and opportunity for AI in financial services
AI is becoming more efficient, affordable, and accessible, lowering barriers to advanced AI and accelerating adoption. And yet, widespread consumer adoption is still in its early days. According to Lumin Digital’s consumer study, 83% of digital banking users are aware of AI tools (from any sector), but only 13% use them regularly. This signals an…
Whitepaper
Report: How AI will influence the future of digital user engagement
AI is opening a new chapter in digital banking—one that’s more personal, intelligent, and intuitive. Beyond machine learning, emerging technologies like natural language processing, generative AI, and agentic AI are helping financial institutions simplify operations, personalize every user interaction, and deliver digital experiences that feel truly human. In Lumin’s latest research report, we explore how…
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