The San Ramon, California company said the product arrives pre-configured across more than 100 pages and 700 features, with banking-specific terminology already applied. That means institutions can begin identifying where users abandon a process or fail to discover a feature without first running a data-team implementation project. Tags covering common banking functions such as Stop Payment, Skip-A-Pay, Remote Deposit Capture and Positive Pay are included from day one.

The product groups its functionality into three components. The first is a behavioural analytics layer covering feature adoption rates, session navigation paths, funnel drop-off points and retention trends, surfaced through pre-built dashboards across eight audience segments including account tenure. The second is a Guides tool that lets administrators create in-app walkthroughs, tooltips and onboarding flows without engineering resource, publishable on the same day they are built. The third is an in-app survey function that collects user feedback at the moment of interaction rather than through a separate research programme.

Lumin illustrated the potential unit economics with one example: an eStatement adoption guide that converts 15 per cent of a 100,000-account paper-statement base, it said, could be worth approximately $540,000 a year in savings. The company did not publish independent evidence for that figure or disclose conversion rates from existing deployments.

Chief product and technology officer Sean Weadock said the capability addresses the gap between knowing what users do and understanding how they experience the platform.

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