Category: Digital & User Experience
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…
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…
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.
On time. Every time.
How Lumin elevates speed and precision so you don’t have to choose between them.
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.
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…
Beyond the Black Box: Transparency, Privacy, and AI in Digital Banking
Financial decisions are deeply personal, categorically unique, and multi-dimensionally complex.
Shaping the future of digital banking, together: How Lumin Digital and each client build a lasting partnership through go-live and beyond
Explore what life as a Lumin client really looks like. Spoiler: it’s transparent, collaborative, and designed to keep delivering value—week after week, year after year. Whether it’s our weekly sprint demos, monthly product strategy sessions, quarterly business reviews, or simply day-to-day interactions, we’re deeply invested in helping you grow, serve your users, and lead your…
De-risking your digital banking transformation: How to ensure an on-time, on-budget launch
An intuitive digital experience is the key to user trust, acquisition and retention, faster time to market, and lower costs for community financial institutions (CFIs). So why would a CFI hesitate to switch digital banking tech providers—even when their current platform alienates users with persistent outages, a lack of modern capabilities, and infrequent updates that…
RECAP: Lumin Chief Commercial Officer Kelley Michalik on the Importance of Speed, Trust, and Adaptability in Digital Banking
Lumin Digital Chief Commercial Officer Kelley Michalik recently joined the Fintech Hustle podcast for a wide-ranging conversation on the future of community banking, digital experience, and how credit unions and community banks can outpace larger competitors. In a conversation that spanned everything from go-to-market innovation to personalization at scale, Michalik underscored how community financial institutions…