Innovative
Banking Solutions

Transforming the banking experience through innovation, making financial services
accessible and responsive for everyone.

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The financial industry constantly changes, with consumers demanding agile and fully personalized services. In this global change scenario, banks, fintechs, and financial institutions must adapt quickly to maintain relevance. At Luby, we combine technological expertise, market experience, and AI to drive sustainable growth for our clients.

Embrace Innovation in Banking

Digital Onboarding and Account Opening

Simplifying the Future of Banking

At Luby, we adopt a Design First approach to streamline the customer experience, focusing on easy, fast, and secure solutions. By working closely with customers, we create personalized journeys that simplify tasks from data collection to identity verification, ensuring a minimal friction experience for a competitive marketplace.

Our Advantages
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    Speed

  • Fast account opening, allowing customers to access services and finish tasks quickly.

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    Security

  • Advanced tools integration like LexisNexis and IDAnalyzer for a secure onboarding process.

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    Design-first Approach

  • In-depth design process resulting in smooth, pleasant user interactions, and prototyping for efficiency.

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    Smart Automation

  • Features to minimize manual effort, like automatic data entry and system integration, making the process faster and frictionless.

                           

Digital Banking UX/UI

Reimagining user experiences in financial services

Effective banking solutions depend on the quality of user experience (UX) and user interface (UI). We focus on creating user-centric designs that prioritize the needs of financial institution customers. Through research, prototyping, and testing, we deliver intuitive designs that please both individual and business users. With deep fintech understanding our solutions are visually appealing, functional, and compliant with industry standards.

Our Approach
  • UX Research

    We conduct thorough research to understand user needs and challenges, tailoring designs accordingly.

  • Prototyping & Wireframing

    Detailed prototypes and wireframes allow early feedback and user journey visualization to save resources. 

  • UI Design

    We design modern intuitive interfaces aligned with the newest trends respecting brand consistency.

  • Usability Testing

    Multiple rounds of testing help identify and eliminate friction points, refining designs for optimal user experience.

  • UX Writing

    Clear microcopy guides users through applications, reducing confusion and enhancing usability.

                           

API Solutions for Homeowner Associations

Seamless APIs for financial data integration

Our approach allows easy integration of banking data while prioritizing security and scalability, particularly for Homeowner Associations (HOAs).

  • Empowering Homeowner Associations

    We have expertise in integrating Core Banking systems, providing APIs that deliver essential financial data—like transaction history and payments—directly to accounting software platforms. This streamlines daily reconciliation, payment verification, and alert generation for delayed payments, minimizing manual errors.

  • A secure and high-performance API solution

    Security is key in our design, incorporating token-based authentication, data encryption, and role-based access control. Our well-documented APIs ensure seamless implementation and optimal performance.

                           

Loan Application Solutions

Streamlining SBA Loan processes for small businesses

We specialize in developing comprehensive digital loan applications tailored for small businesses. Our expertise in SBA Loans enables us to enhance customer experiences while delivering measurable results for financial institutions.

Key features 
  • Seamless
    Integration

    We connect with essential services like Salesforce and LexisNexis to ensure compliance and operational efficiency.

  • Process
    Automation

    Our platforms automate key processes, from auto-filling forms to document processing, saving time, and reducing errors.

  • User-Centric
    Design

    With Extensive UX research and testing we create intuitive interactions for users.

  • Scalable
    Architecture

    Built to handle high application volumes, our solutions maintain performance during peak demand.

                           

Core Banking Integrations

Unlocking the Full Potential for Seamless Digital Banking

We excel in integrating Core Banking systems like Fiserv and DCI, enabling banks and fintechs to deliver exceptional digital experiences. With past expertise in various markets, including Health Savings Accounts, Cross-border Payments, and Digital Onboarding.

  • Introducing Finfy: Our core banking platform

    Finfy is a sophisticated core banking solution developed in partnership with Cartos, combining deep financial expertise with innovative technology. Designed for performance, flexibility, and scalability, Finfy's microservices architecture empowers institutions to manage credit operations seamlessly and adapt to evolving needs.

    Finfy leverages APIs and an agile methodology, supporting the creation of innovative financial products while ensuring efficient scaling for financial institutions.

                           

Cyber Insurance Application Platform

Protecting Businesses from Cyber Threats

In a collaboration with Sunwest Bank, Luby developed a Cyber Insurance Application Platform that simplifies the process of obtaining comprehensive cyber insurance.

  • A tailored cyber insurance solution for businesses

    The platform allows companies to input essential information and receive real-time quotes through Cowbell’s advanced API. Making applying for insurance straightforward, enabling customers to focus on their operations while remaining secure. Once an offer is accepted, Murvay Insurance and Cowbell manage the entire process, ensuring full protection against cyber threats.

Our Case Studies

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Transform your vision into reality for growth opportunities in a competitive market.

Together, we will develop a strategic plan that forms the foundation for effective and sustainable modernization.

What’s
your challenge?

We’re the software development consultancy
that will be a game-changer
in your growth.