Case Study: Credit Human improves digital banking and financial wellness with Lumin Digital

Credit Human boosts external account connections 50% with Lumin Digital

Credit Human, a credit union dedicated to improving its members' financial wellness, faced significant challenges with its outdated digital banking platform. Their legacy system from a previous vendor provided a disjointed online and mobile experience, suffered from frequent downtime due to cyberattacks, and received extremely low member satisfaction ratings. Infrequent upgrades and an inflexible vendor prevented growth and hindered the credit union's mission, prompting them to seek a new solution.

Credit Human partnered with Lumin Digital to implement its modern digital banking platform. The solution was launched on schedule with 100% uptime and introduced seamless weekly updates. The results were transformative: member satisfaction soared, reflected in an app store rating increase from 1.5 to 4.9 stars. Specific process improvements led to a 50% increase in members connecting external accounts and allowed new share certificates to be opened in under a minute. This digital transformation contributed to significant growth, with deposit and loan growth rates doubling and quintupling the U.S. averages, respectively.

Credit Human