Luby Products
We build what the future needs
Engaged borrowers. Lenders in control.
A white-label servicing app that keeps borrowers engaged and lenders in control, on iOS, Android, and Web. Faster servicing, fewer missed payments, and a new way to build loyalty.
Cross-platform servicing app
Launch-ready on iOS, Android, and Web, fully integrated with LoanPro.
Real-time borrower engagement
Balances, payments, and notifications in one modern interface.
Content updates without code
Change banners, FAQs, and offers without waiting on a release.
A direct engagement channel
Every time a borrower opens the app, you get a chance to talk to them.
Smart collections.
Optimized payments.
Automate payments. Cut delinquency. Lower processing costs. Predictable cash flow, lower delinquency, and a payments operation that runs itself.
Centralized payment orchestration
Collections and payouts across multiple processors from one platform.
Cost-based routing
Every payment takes the lowest-cost path your business rules allow.
Speed prioritization
Choose the fastest route when timing matters more than cost.
Automatic failover
A processor going down is routed around with no manual intervention.
LoanPro integration
End-to-end visibility of every transaction, start to finish.
Digital banking with conversational AI
Built with emerie® to make banking feel human again. A simpler, more human experience for customers — and lower service costs for banks.
Conversational AI banking
Customers manage their money through natural dialogue instead of menus.
Balances and transfers
Check a balance or move money just by asking — no navigation required.
Card management
Freeze, replace, and adjust cards in conversation, accessible to everyone.
Intelligence and empathy
A smarter experience for customers and a more efficient one for institutions.
The fintech infrastructure behind it all
Where technology, compliance, and delivery meet. A proven ecosystem that turns fintech innovation into real, working technology.
Built with LoanPro
A partnership that combines the best of proven fintech infrastructure.
Powers IrisLoan and HarmoniaPay
The foundation behind our lending and payments products.
Compliance and scale
Deep fintech expertise on a scalable, compliant foundation.
Built by lenders, for lenders
Accelerating how financial products get launched and evolved.
Your complete financial operation,
under your brand
Digital accounts, payments, and lending under your brand, without building the infrastructure from scratch. One platform to launch financial products under your own brand, with security and scale built in.
Personal and business accounts
Statements, transfers, and limits under your brand.
Payments
Transfers and collections, with settlement tracked end to end.
Lending and advances
Loans, receivables advances, and BNPL on a configurable credit pipeline.
Account opening and compliance
KYC, KYB, AML, and biometrics from the first customer.
Built by Luby. Proven in production.
Every product started as a real problem we solved for a client,
and today it runs in production.