We Build What the
Future Runs On
Luby designs, launches, and operates digital products, combining software delivery with real product ownership.
From lending to payments to digital banking, our technology runs live, at scale, and with purpose, turning financial innovation into production-ready reality.
Borrower Servicing, Reinvented
White-label servicing that keeps borrowers engaged and lenders in control.
Ready-to-launch app for iOS, Android, and Web — fully integrated with LoanPro.
View loans, make payments, and receive notifications through a modern interface.
Update banners, FAQs, and offers in real time without writing code.
Create engagement opportunities every time borrowers log in.
Why it matters:
Faster servicing, fewer missed payments, and a new way to build loyalty.
Intelligent Collections. Optimized Payments
Automate repayments. Reduce delinquency. Cut costs.
Automate repayments and disbursements across multiple processors from one platform.
Route payments to the cheapest processor based on your business logic.
Choose the fastest rail when speed matters most for your transactions.
If one processor fails, HarmoniaPay reroutes automatically — ensuring uptime and control.
Built within Loanova ecosystem with real-time visibility from start to finish.
Why it matters:
Predictable cash flow, lower delinquency, and a payments operation that runs itself.
AI Internet Banking That Talks to You
Built with emerie® to make banking feel human again.
Transform how customers interact with finances through natural dialogue instead of menus.
Check balances and make transfers simply by asking, no navigation required.
Manage cards through intuitive conversation, making banking accessible to everyone.
Delivers an experience that's smarter for users and more efficient for institutions.
Why it matters:
A simpler, more human experience for customers — and lower service costs for banks.
The Fintech Engine Behind It All
Where technology, compliance, and delivery meet.
Created in partnership with LoanPro, combining the best of fintech infrastructure.
The foundation behind our lending and payments products.
Deep fintech expertise with a compliant, scalable foundation.
For lenders, accelerating how financial products are launched and evolved.
Why it matters:
A proven ecosystem that turns fintech innovation into real, working technology.