Dedicated Team · U.S.

How We Helped a U.S. Bank Innovate
in the U.S. Financial Market

Founded in 1969, a U.S. community bank serves small and mid-sized private companies across the western United States.

Digital Products

Account Opening

+40%

New Clients

Challenge

The Challenge

Luby became its strategic partner for developing several web and mobile applications — both internal and client-facing — after identifying new business opportunities. We've worked from product conception (prototyping and validation with business teams) through development, deployment, and ongoing operations. Today, Luby manages a portfolio of seven of the bank's projects. The bank sought to innovate in a traditional and competitive market by digitizing key services for customers and employees. Many banking processes — such as account opening and loan requests — still relied on manual paperwork and in-branch interactions. The challenge was to modernize these workflows, create user-friendly interfaces, and enable digital operations without disrupting compliance or core banking integrity.

Digitize account opening and lending without losing regulatory rigor
Replace paper-heavy workflows with secure, intuitive digital journeys
Integrate fraud prevention and identity tools across new channels
Scale delivery with dedicated squads aligned to the bank's roadmap

Solution

Our approach

From ideation and design through development, security integrations, and ongoing operations — including seven digital products and two dedicated squads. Innovation: Luby participated from ideation and design to development and testing of the bank's new digital platforms. Today, the bank itself uses these platforms to manage its HSA accounts and employee benefits.

Banking as a Service (HOA)

The bank serves the HOA market through API-based solutions developed by Luby: HOA platforms access banking data so residents see payments, fees, and balances. The ecosystem integrates Fiserv, Plaid, ID Analyzer, and LexisNexis — with ongoing support as the bank expands.

Outsourcing

Two dedicated squads (Team Blue and Team Green) — about 13 professionals including developers, PMs, QAs, designers, and tech leads — for operations and maintenance. SNAP and Selfcare HSA exemplify a CX focus where UX/UI and delivery directly impacted business results.

Experience

UX/UI improvements from conception to prototyping across the bank's products, with accessibility and consistency on web and mobile — strengthening retention in the financial sector.

SNAP

Web app for new and existing clients to open accounts digitally in under one hour — conceived, prototyped, and tested with business teams; Luby maintains daily operations. A differentiator in U.S. commercial banking.

Loans

Online lending launched during COVID-19; customers could apply and track loans fully online. Generated a 40% increase in new customers; 45% remained after the pandemic.

Selfcare HSA

Platform for Health Savings Accounts: companies register employees, open accounts, contribute digitally, and employees pay medical expenses or request reimbursements.

Results

Key outcomes

+40%

New customers (Loans platform)

1,200+

New accounts via SNAP

Average time to open an account

Cyber security

Integrations with leading providers to protect data and operations — including LexisNexis (Bridger, InstantID), ID Analyzer, DocuSign, and hardened flows for U.S.–Mexico remittances.

LexisNexis Risk Solutions

Risk data and fraud prevention integrated into applications such as account opening.

ID Analyzer

Document recognition for passports, driver's licenses, and ID cards.

DocuSign

Digital signatures embedded in the bank's workflows.

Remittance security

Stronger protection for money transfers from the U.S. to Mexico.

Evolution & third-party integrations

Fiserv

Core banking APIs — accounts, data, transactions.

DriveWealth

Investment platform integrated into the bank's ecosystem.

Plaid

Connect user bank accounts for transfers and transactions.

Transnetwork

Remittances and financial transactions across parties.

Stack

Skills and technologies

Skills

Front-End DevelopmentBack-End DevelopmentQAMobile DevelopmentProject ManagementDevOps Engineering

Technologies

Fiserv APIsLexisNexis Risk SolutionsDocuSignPlaidDriveWealthTransnetwork

Testimonial

The bank has been a Luby client since 2017, and the Luby team has done great work for the bank across several development projects. As with all offshore engagements, setting clear expectations and having solid requirements, use cases, and test cases are key to success — but Luby is certainly one of the best offshore application development teams I've worked with (and I've worked with many over my career).

CIO · U.S. community bank

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