Lumin Digital builds a modern data platform with AI embedded for fraud detection and risk scoring, giving its banking clients more control over a function that directly affects customer trust.
Client profile
A fintech digital banking platform for financial institutions
Industry
Financial Services
Region
North America
From solution design to production deployment
Accuracy of AI fraud detection, no 3rd-party apps
Lumin Digital builds cloud-native digital banking platforms for banks and credit unions. The platform handles retail and commercial operations: digital account opening, payments, mobile banking, risk management, and marketing. Lumin has raised $241 million in funding. Credit unions across the United States choose the platform to replace legacy digital banking systems.
01 The ChallengeBanks earning at least $10 million in annual revenue face an average of 2,000 fraud attempts per month. In 2025, 60% of financial institutions reported an increase in fraud attacks over the prior year. For a platform company like Lumin Digital, fraud detection is not a side feature. It is a trust function. When a fraudulent login succeeds, the bank’s customer loses confidence in the bank.
Lumin’s banking clients also needed stronger reporting across customer behavior, engagement patterns, audit trails, and billing. The analytics infrastructure did not support the depth of reporting these clients were asking for. A well-designed data platform could serve both needs: give banks reporting and create the foundation for AI-powered services.
Login session risk scoring was the first use case. Every login generates session attributes: device type, location, time of day, behavioral patterns, IP reputation. Scoring those attributes in real time to flag suspicious sessions is something most banks outsource to third-party services. Those services work, but they are expensive and opaque. Lumin’s leadership wanted to bring that capability in-house: own the model, control the thresholds, and reduce cost.
Provectus, an AI-first systems integrator and solutions provider, joined to build the analytics platform and first AI model.
02 The ApproachProvectus structured the engagement to deliver two things in parallel. A modern analytics platform for reporting needs. An ML engine for AI-powered services, with login risk scoring as the proving ground.
The analytics platform was built on AWS with real-time data streaming, scalable storage, and self-service dashboards. The goal: teams and banking clients could explore data and generate reports without engineering support.
For the AI component, Provectus built an ML engine on Amazon SageMaker designed to support multiple use cases. The first model analyzes session attributes and behavioral signals to identify potentially fraudulent logins. The model was trained on Lumin’s own data and handed off with training for Lumin’s team.
The platform was designed to accommodate additional AI use cases from the start. The same ML engine can support retention analysis, engagement scoring, and next-best-action recommendations.
03 The BuildThe build delivered three layers in a single five-month engagement:
The analytics layer handles real-time data streaming, storage, and reporting across all customer and operational data. Business teams access self-service dashboards to explore engagement patterns, audit trails, billing data, and customer behavior.
The ML engine runs on Amazon SageMaker as a reusable foundation for multiple AI use cases. Model training, evaluation, deployment, and monitoring all run through managed pipelines. New models can be built on the same infrastructure without rearchitecting.
The fraud detection model scores every login session by risk level. It reads session attributes including device fingerprint, location, time of day, IP reputation, and behavioral signals. It returns a risk score in real time. Sessions flagged as high-risk trigger alerts for the banking client’s security team.
Provectus also optimized for stability: improved data pipelines, built monitoring and alerting, and ensured the infrastructure scales.
04 The ResultsProvectus delivered the complete platform and fraud detection model within five months. Lumin Digital now has both a modern analytics foundation and a working AI capability it owns.
5 Months
From design to production
AI-powered fraud detection replacing third-party services
The fraud detection model gives Lumin control over a function it was previously outsourcing. The company sets its own scoring thresholds and trains the model on its own data. It can adjust logic as fraud patterns evolve. Banking clients benefit from faster risk assessment on every login without added cost from external services.
The analytics platform changed how teams access data. Reporting that previously required engineering support now runs through self-service dashboards. Customer behavior, engagement, audit, and billing data are all available for exploration.
Since this deployment, Lumin has continued expanding its AI capabilities. In late 2025, the company launched a suite of AI-enabled tools for financial institutions. The suite extends the AI foundation Provectus helped establish into new product capabilities.
05 What’s NextThe ML engine supports more than fraud detection. With the infrastructure in place, Lumin can pursue additional AI use cases without rebuilding the data layer. Provectus works with Lumin on developing these use cases as the platform and client base grow.