Does Luby build a core banking system from scratch?

Yes. We've designed and delivered complete banking cores, including a modular Banking-as-a-Service (BaaS) platform with multiple active clients. We also modernize legacy cores used by 200+ banks.

Do I need a financial-institution license to launch?

Not always. We design the architecture to operate with or without your own license, integrating the regulated partner (bank or payment institution) that fits your model, in the Banking-as-a-Service pattern.

What is Banking-as-a-Service (BaaS) in practice?

It's the banking foundation as a platform: accounts, ledger, payments, and products exposed through APIs, so any company can launch regulated financial products without building the whole core from scratch. We deliver exactly this kind of platform.

How do you ensure the core scales and stays up?

Modular microservices architecture, well-defined APIs, observability, and resilient processing. We modernize platforms to be mobile-first, with faster delivery and no downtime during migration.

Can you modernize my legacy core without stopping operations?

Yes. We work with incremental modernization: we extract domains from the monolith into independent modules and migrate in stages, keeping the operation live. We've cut costs and accelerated delivery for banks this way.

Core Banking · Financial Services The banking foundation to launch products under your brand

Launch accounts, cards, and lending without building it all from scratch, on modular core banking and Banking-as-a-Service. Architecture that scales, with compliance and zero downtime on migration.

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+200

banks running on platforms Luby modernized

The challenge

The core is the foundation: if it stalls, everything stalls

Launching and evolving financial products depends on a solid banking foundation. When it's slow, tightly coupled, or out of compliance, the whole business is held hostage. The gaps we see most:

Shipping products takes too long

Without a ready banking foundation, every new product (account, card, loan) becomes a build from zero. Time-to-market kills the window of opportunity.

Legacy that won't evolve

A monolithic, tightly coupled core that's hard to change. A small tweak takes months and an army, and every release is a risk.

Regulation and licensing

Running a financial product demands adherence to regulators, an audit trail, and often a regulated partner. Get it wrong here and the operation stalls.

Scaling without breaking

What holds a thousand customers melts at a million. Without a modular, observable architecture, growth turns into instability.

How we implement

From foundation to product, without reinventing the core

We build the banking foundation as a platform, with the standards we learned shipping complete cores and modernizing legacy systems in production.

A banking core under your brand

Accounts, ledger, balances, and money movement on a modular core ready to launch regulated financial products. That's how we delivered a complete BaaS banking core, with multiple active clients operating on top of it.

Modular architecture that keeps up with the business

Add products without rewriting the core, on microservices, well-defined APIs, and independent domains. We modernized platforms used by 200+ banks, with faster delivery and no downtime.

Cards, lending, and products, pluggable

Go from MVP to mature product with no foundation rework: card issuing, a credit engine, and new financial products plug into the core as modules.

Compliance and audit trail from the design

Operate with or without your own license: adherence to network and regulatory rules, a full audit trail, and integration with the regulated partner that fits your model. Compliance goes into the architecture, not on as a patch.

Use cases