Modernizing the U.S. Banking System
for Community Banks
With nearly 60 years of experience, a U.S. core-banking technology provider is a leader in developing banking technologies and services for community banks across the U.S.
- 200+
Community Banks
- 39%
Cost Savings
- UX-led
Modernization
Project: Digital banking platform
Luby took on the challenge of redesigning the client's entire online banking system, which unites various products serving over 200 connected community banks. The goal was to build a new experience for both banks and end customers — modernizing interactions without losing existing functionalities.
Outdated UX across the entire online banking platform
Fragmented onboarding flows causing friction for new bank customers
Manual processes limiting scalability for 200+ connected banks
No design system — inconsistent components across products
Legacy architecture blocking integration with modern fintech services
Our Approach
A phased research and design process followed by systematic interface modernization.
Exploratory Research
Interviewing banks to understand pain points and client needs.
Feature Mapping
Documenting all functionalities, components, and system configurations.
Benchmarking
Analyzing competitors' offers, interfaces, and experiences.
Core Redesign
Account summary, debit cards, account details, and home page — all reimagined.
Cash Management
Enabling batch payments for businesses, saving time and reducing costs.
Design System
Standardized components to accelerate development and ensure visual consistency.
Plaid Integration
Enabling secure and efficient financial transactions between users, aligned with U.S. open banking standards.
GoOpen — Account Opening Modernization
System analysis, competitor benchmarking, flow tracking, internal interviews, and heuristic analysis to transform onboarding.
Key Outcomes
Cost savings vs. U.S.-based supplier
Cost savings vs. local Kansas supplier
Significant improvements in UX and visual consistency
Ongoing modernization of the client's legacy systems
New mobile-first experience for 200+ community banks
Continuous collaboration from UX redesign to fintech development
Since Luby Software joined the project, we've noticed significant improvements and progress in our initiative. Project management has proven to be highly effective through communication via email, Microsoft Teams, and other tools. Overall, the team stands out for its open communication and proactive attitude. It's an extremely solid company with ambitious goals.
CTO
U.S. core-banking technology provider
Ready to modernize your banking system with UX-first innovation and scalable architecture?
Talk to our team about dedicated squads, core modernization, and digital banking delivery.