Proven impact
Create distance your competition can’t close
A clean launch is just the beginning. The longer you run on Lumin, the deeper the relationships, the stronger the engagement, and the greater the measurable impact.
The ROI conversation in digital banking has changed
Lumin clients aren’t just modernized. They’re on a different trajectory.
They aren’t chasing growth, they’re compounding it.
$1.6M → $6.8M
4x increase in annual platform value year 1 to year 5
12.8M
cumulative total 5-year financial impact
$8.8M NPV
145%
discounted ROI over 5 years
91% at three years
10.8 mo
payback period
75%
of total platform value
Net interest income, interchange, and retained user revenue
S&P Global Market Intelligence, Technology Impact on Business Report. Based on a composite of Lumin Digital client deployments.
Turn every interaction into growth
Financial outcomes follow a seamless experience that gets smarter with every interaction. Active users grow. Business accounts expand. Engagement deepens. Product adoption rises. Churn declines.
This is compounding value in action.
95%
annual retention among highly-engaged users
36%
retail member growth across study launches
23%
commercial account growth across study launches
11%
increase in products per user relationship
15%
reduction in overall user churn
$49.59
cumulative 5-year impact
per user
See what changed with banks and credit unions that run on Lumin
What Lumin has enabled us to do is compete with the big banks that have billions of dollars.
Kate Rogers
Chief Innovation Officer and SVP, Digital and Payments, University of Illinois Community Credit Union
Lumin has operated as a true partner—collaborative, innovative, and aligned with our commitment to exceptional service. Lumin provided a dedicated transition team with a seamless conversion process, and we are thrilled to work with a digital banking provider that empowers us to offer a digital banking experience that feels personal, modern, and efficient.
Deon Shoaf
COO of First Bank of Berne
When our members are happy, they bring more business to us. The ratings that they give our app has gone up more than double—which isn’t easy to do.
Scott Steinfort
Chief Technology Officer, Community First Credit Union
Our employees are really talking about Lumin in a very great way. The speed [of] innovations and upgrades really keep our staff involved and engaged. It’s not only easy to adapt for our members—but the adoption for our employees is just as high.
Chris Court
Chief Strategy and Innovation Officer, Service 1st Federal Credit Union
100% of Lumin clients renew
Grow user loyalty and partnership on one platform
Users experience a platform that continuously innovates to grow trust, strengthen loyalty, increase product adoption, and drive referrals. For banks and credit unions, momentum builds quarter after quarter, turning user loyalty into a compounding growth engine.
94
NPS
100%
renewal
99.99%
uptime
<5
support tickets
A partnership with Lumin Digital looks like weekly sprint demos, not quarterly check-ins. A phone call, not a ticket queue. A vendor invested in your growth trajectory, not just your renewal. At Lumin, that commitment is structural—built into how the company engages, builds, and measures success. Your partnership compounds alongside the platform.
Every bank and credit union’s story is different.
See what breaking away looks like.
Case Study
BCU drives 5+% referral growth and builds a channel-less banking environment with Lumin
As member expectations shifted toward intuitive, 24/7 mobile-first banking, BCU needed a digital platform that could evolve quickly and provide a stellar user experience.
Testimonial
A seamless shift: How Orsa transformed to the Lumin Digital banking platform
Community financial institutions have always been about people first. But as more members manage their money online, how can CFIs continue to ensure a personalized experience and introduce new features and products quickly to support shifting expectations and financial needs? Orsa Credit Union has partnered with Lumin Digital to build an online experience for members…
Case Study
TAPCO Credit Union: Building a digital branch that converts community into users with Lumin Digital
TAPCO chose Lumin Digital for its connected platform combining account opening, banking, and marketing tools.
Case Study
Red Canoe: Transforming member growth through digital account opening with Lumin Digital and Alloy
Red Canoe Credit Union transformed member growth by modernizing digital account opening with Lumin Digital and Alloy, streamlining onboarding, increasing application completion rates, and enabling secure automated decisioning that improves both efficiency and member experience.
Case Study
Ascend Federal Credit Union reinvents its digital member experience with Lumin Digital
Ascend Federal Credit Union modernized digital banking with Lumin’s mobile-first platform, accelerating growth and strengthening its competitive edge.
Case Study
Redwood Credit Union builds a nationally ranked mobile and online banking experience with Lumin Digital
The Organization Redwood Credit Union (RCU), the 28th largest credit union in the U.S., serves more than 500k members and is the largest SBA lender in the North Bay region of California. The Mission “Our mission is to passionately serve the best interests of our members, our team members, and our community. It’s not about…
Case Study
SELCO doubles its digital app rating and deepens member relationships after partnering with Lumin Digital
SELCO Community Credit Union’s mission for 90 years has been to improve its members’ social and economic positions. SELCO invests heavily in personalized service, offering tailored accounts and educational resources for every need and financial stage.
Case Study
Los Angeles Federal Credit Union enables mobile-first digital engagement with Lumin Digital
With nearly 90 years of history, Los Angeles Federal Credit Union (LAFCU) serves more than 75,000 members in the communities of the Greater Los Angeles Metropolitan area.
