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
Citadel Credit Union: 30% growth in digital cross-sell and 20-point increase in NPS with Lumin Digital
With nearly 90 years of history, Citadel Credit Union serves more than 260,000 members across the Greater Philadelphia, PA area.
Case Study
Langley Federal Credit Union: Winning wallets with always-on digital banking
The organization Langley Federal Credit Union, based in Virginia, is one of the 100 largest credit unions in the U.S. The mission Langley envisioned a self-serve digital banking experience that would make saving and budgeting easier and encourage growth in active users, new product adoption, and increased wallet share. The obstacles The credit union’s early…
Case Study
Credit Human: Delivering financial wellness
Credit Human’s mission to alleviate financial stress for its members faced a major roadblock: outdated technology creating poor digital experiences. They decided to look for a new digital platform partner. Lumin Digital has transformed their platform into a seamless, user-friendly experience with 100% uptime and continuous innovation. The results? A 4.9-star app rating, increased member…
Case Study
How Lumin Digital Is Helping Interra Credit Union Innovate Quickly
Indiana-based Interra Credit Union began in 1932 when seven local visionaries, along with businessman Edward Feiling, came together to form Elkhart County Farm Bureau Credit Union. Opening with just $19.50, that initial deposit has grown to $1.6 billion and is now known as Interra Credit Union. Interra has between 85-90,000 members, of whom approximately 50,000…
Case Study
How Lumin Digital Helped Heritage Family Credit Union Increase Its Digital Banking Engagement
Heritage Family Credit Union was formed in 1956 when a group of GE employees in Ludlow, Vermont, pooled $800 in deposits for the first month. Over seven decades later, HFCU strives to provide friendly, high-quality services for its customers and their families throughout Vermont, New Hampshire, New York, and Massachusetts. Katye Munger is the Assistant…
Case Study
Case Study: How Lumin Digital Helped Consumers Credit Union
Lindsay McCall serves as the Chief Operations Officer for Consumers Credit Union in Kalamazoo, Michigan. In the fall of 2019, Consumers CU converted to Lumin Digital’s cloud-based platform, seeking digital banking solutions for retail and mobile banking. We sat down with Lindsay to discuss the impact the Lumin Digital platform has made in Consumers CU…
