Case Study

Digital Banking

Delivering seamless and secure digital banking experiences

Problem Statement

Customers faced slow mobile banking services, limited digital features, and poor transaction reliability leading to high drop-off rates. The bank's legacy internet banking portal had a 40% abandonment rate on payments and couldn't support UPI transactions. Customer complaints related to digital channels had increased 3x year-on-year.

Solution Provided

Lumien built a modern digital banking platform with mobile-first design, UPI/IMPS integration, and secure multi-factor authentication systems. The platform supports real-time transaction tracking, instant fund transfers, and a self-service portal for account management. API-first architecture enabled rapid integration with third-party fintech services.

Key Features

What's included

Mobile & internet banking platform (iOS, Android, Web)

UPI & IMPS integration aligned with NPCI standards

Secure MFA login with biometric authentication

Real-time transaction tracking & instant notifications

Corporate banking portal with maker-checker workflows

API banking layer for fintech partner integrations

Results & Impact

Measurable outcomes delivered after implementation.

Increase in digital transactions

50%

Faster payment processing

35%

Increase in digital active users

90%

Reduction in digital complaints

Ready to transform your bank?

Talk to our team about implementing Digital Banking for your institution.