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.
Built by Luby. Proven in production.
Every product started as a real problem we solved for a client,
and today it runs in production.