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Guest Blog
Winning the next generation starts with the parents you already serve
One of the things I often remind financial institutions of is this: the number one influence on where a child banks isn’t an app or a trend. It’s their parent. And while that influence is powerful, parents need the right tools to introduce their children to banking. A $7B financial institution in the Northeast faced…
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
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.
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On time. Every time.
How Lumin elevates speed and precision so you don’t have to choose between them.
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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…
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