Lumin helps credit unions build and deploy next-gen digital experiences that help to continually serve, engage, and grow their membership base. Our platform provides value beyond the advanced features users demand and provides your members with tools that support and align with your organization’s values. We also help reduce the burden on your internal staff by making customization, innovation, and improvement easier, faster, and more consistent.
With a purposefully engaging design, these single page application dashboards allow you to provide users with all of their personal banking information in one place. Up to date, real-time data about items such as account and loan balances, transactions, cash flow, spending habits, credit scores, and a host of other helpful items are made available in an optimized interface available across all devices.
Help your users stay on track by providing them with an at-a-glance financial health check-up. By utilizing easy, intuitive, and informative tools users can visualize and understand their current financial status in relation to their goals. Whether it be long-term planning or short-term budgeting, you can allow users to check their financial pulse quickly and easily.
Provides an easily accessible and simple interface for your users to manage all of their bills online. With a consistent experience across all devices, users can set up automatic payments, schedule one-time payments, juggle payees, view their billing history, and more, from any device at any time.
Give your users an intuitive, integrated space to manage and protect their credit cards and debit cards in the same place they manage their monetary accounts. Users are able to lock and unlock specific cards at any time, as well as set merchant preferences, transaction alerts, spending limits, and even travel and regional notifications–without having to download an additional application.
Allow your users to quickly and easily deposit checks into their account at any time from any device with a picture. With remote deposit functionality becoming increasingly popular, recent enhancements to the platform mean users can deposit multiple checks at the same time.
As a cloud-native platform, our security protocols are already integrated into, and running on, multiple layers, providing you and your users with the latest and greatest in digital protections. That includes emerging and ever-present threats such as identity theft and credential stuffing. As opposed to being layered on top or retrofitted as an afterthought, our security systems architecture provides for constant preventative updates, leaves no gaps, and goes beyond the routine security and compliance standards of the day, all while providing a seamless experience to the end user.
Our platform also allows you to offer business banking services to small and medium-sized operations, and is integrated with the consumer platform providing a seamless user experience between them. Your business account users can manage items such as ACH for payroll, automated payments and billing, account roles and permissions, activity monitoring, personalized credit and debit cards linked to specific accounts, and financial reporting.
As one of the first cloud-native digital banking platform to offer the digital account opening feature, we’ve made it easy for your users (current and potential) to open a checking or savings account in under five minutes with a few clicks. This action doesn’t require a separate, third-party vendor to complete, and the new account can even be funded with a debit card, making it even easier to make initial deposits.
Our platform can help you deepen relationships with your users by offering targeted support and products at the right time. These profiles can help you understand your user behavior by creating engagement scores based on your institution’s goals and identifying those users via customizable criteria, allowing you to proactively provide real-time recommendations related to their needs.
Your institution likely uses multiple vendors to help enhance your digital banking operations, and our platform can seamlessly integrate with all of them. This not only provides your users with a better, consistent experience, but helps you save time and money as we will help create and manage those vendor relationships to develop the best possible outcomes. It all comes from our flexible cloud-native system architecture.
Through our software development kit (SDK), you can extend the platform into your institution’s other areas of focus, providing you with a flexible way to integrate with other providers. It allows you and your in-house team to manage the platform on your own, in addition to the support and regular enhancements provided by
Lumin Analytics is a streaming data and analysis platform that allows your organization to get even more value from our core digital banking solution. With real-time visibility, actionable insights, and advanced automation capabilities, Lumin Analytics helps our customers turn their data into impact.
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