disruption-proof digital banking

The future is anywhere, anytime, and always on.

Engage and grow. Maximize efficiency. Evolve without limits.

Welcome to Lumin Digital.

Trusted by leading financial institutions to serve their 5M+ users. Transform with confidence.

(Re)imagining the forward for anywhere, anytime banking

We don’t settle for the status quo. We think, innovate, and move the standard for excellence forward. With every innovation, we reset the expectations of the industry.

Near 90 NPS score

Our team of seasoned industry experts has over 240 years of combined experience who bring tried-and-true methodology to ensure success. With a near 90 NPS score, we move the standard of excellence forward.

100% on-time launches

With a client-centric approach, proven methodology, and a track record of 100% on-time launches, we ensure a seamless transition that positions you for long-term success.

220+ yearly product enhancements. 99.999% uptime.

We drive the power of innovation forward with weekly updates and zero disruption.

Impact, realized

Our clients experience growth and realize tangible ROI.

Accelerated growth

$18M deposit growth in a single month by offering a new banking product users can open on their own, anytime, anywhere

Increased cost savings

$75K/month cost reduction by decreasing reliance on call center and implementing Lumin’s self-service features

Differentiated user engagement

Top 5 highest-rated digital banking applications on mobile app stores

See more impact

Different by design

Engineered for excellence

Our platform, born in the cloud, adapts to new technologies without major overhauls. With robust security features and unmatched reliability, we ensure your services remain uninterrupted and cutting-edge.

Our cloud-native platform adapts to new technologies without major overhauls. We ensure your services remain uninterrupted.

Start with technology

Always ready

Stay ahead of the curve

Our platform solutions are designed to drive value and offer tailored digital banking experiences through AI-driven tools, seamless onboarding, and consistent access across all devices. Our advanced analytics provide smart insights to continually enhance user experiences and power impactful marketing programs.

Our platform solutions are designed to drive value and offer tailored digital banking experiences.

Anywhere. Anytime.

Innovate without disruption

Stay ahead with weekly updates and new features, all without downtime. Our agile, API-enabled, microservice architecture ensures you can adapt and scale effortlessly to give your users anytime, anywhere retail, commercial, and digital account opening access.

Stay ahead with weekly updates and new features, all without downtime.

Platform components

Artificial
Intelligence

Reliability

Data
Security

Integration
Framework

Scalability

Micro
Services

Single
Tenant

Cloud
Native

Platform solutions

Extensibility

Data &
Analytics

Digital Marketing

Risk
Management

Admin &
Support

User
Engagement

Platform modules

Commercial
Banking

Retail
Banking

Future
Innovations

Digital Acct.
Opening

We’re not just looking to solve today’s problems. We want to ensure that we’re [working with partners who] are thinking ten years down the road.

Tansley Stearns
President and CEO, Community Financial Credit Union

Lumin makes things simple and easy. From a conversion standpoint, this was one of the smoothest transitions we have made in our credit union’s history. Every single milestone–every single promise [Lumin] made to us–they have executed on. And they have executed well.

Michael Tranum
Chief Technology Officer, DuPont Community Credit Union

As a small financial institution, we don’t have the scale to compete without a partner. What Lumin has enabled us to do is compete with the big banks.

Kate Rogers
Chief Innovation Officer, U of I Community Credit Union

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

We’re beginning this journey of digital transformation and focusing on digital first. When we have a partner like Lumin that is well-aligned with that philosophy, it’s going to help us roll out new features much more quickly to members.

Liz Fee
VP of Payments and Operations, Citadel Credit Union

The ROI on the product has really come from member adoption. It’s really giving them everything they want in one place on the financial side. Keeping them in the product is ROI.

Chris Court
Chief Strategy and Innovation Officer, Service 1st Federal Credit Union

Insights

We think forward

We don’t wait for progress. We drive it. Explore industry insights and perspectives.

View more insights

Article/Blog

Designing a better user experience that drives double-digit engagement and adoption rates

Evaluating how users manage their accounts Lumin Digital’s User Experience (UX) team monitors and evaluates user data from over 5M users to uncover opportunities to improve the digital banking experience and provide additional value to end-users. Lumin’s UX team discovered an opportunity to rethink how digital banking users interact with their accounts and set their…

Read now

Article/Blog

The top 7 costs of standing still with banking technology

Digital channels have become the backbone of today’s banking journey. Consumers expect a seamless, hyper-personalized experience across all platforms, and FIs must adapt to meet these ever-changing demands. If you are still using legacy technology or an early modern platform–originally built on-premises but migrated to the cloud–you’ve likely experienced unplanned downtime, an influx of support…

Read now

Whitepaper

The High Cost of Standing Still

Does your digital banking experience and platform meet customer expectations? Your expectations? Despite their potential to regain market share, CFIs struggle to keep up with the rapid pace of digital innovation. Many are limited by decades-old tech. Without making a tech switch, community FIs introduce real risk to their organizations, including adding to their tech…

Read now

On-Demand Webinar

Advanced fraud detection and digital security: Current trends and effective strategies for evolving threats

Fraud threats are growing more sophisticated—discover how your organization can stay one step ahead. Watch this on-demand webinar featuring experts from Lumin Digital and BioCatch as they explore the latest fraud trends and the proactive strategies financial institutions need to stay ahead. You’ll learn how cloud-native platforms and AI-driven behavioral insights are transforming digital security…

Watch now

What can we help you achieve?

Partner with our industry-leading team to accelerate growth, improve efficiency, gain a competitive advantage, and maximize your impact.

Book a demo