Lumin Digital
Lumin Digital is the leading, future-ready digital banking solution powering remarkable growth for financial institutions across the United States.
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INDUSTRY LEADING COVERAGE
Get the full financial picture
Connect to the core of customers' financial lives with source of truth income and employment data. We cover 1,800+ platforms and 40+ T&A systems.
INTEGRATION PARTNERS
Helping you deliver better financial products
If you don't see your platform listed, submit an integration request to your platform team.
Bankjoy
Designed for banks and credit unions, Bankjoy offers a seamless digital banking solution with mobile and online banking, account opening, loan applications, and statements.
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Jack Henry
Jack Henry™ is a well-rounded technology provider serving community and regional financial institutions with a wide offering of capabilities.
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Plaid
Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect their financial data to apps and services.
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Mastercard
Mastercard connects and powers an inclusive, digital economy that benefits people, businesses & governments worldwide by making transactions safe, simple, smart and accessible.
Narmi
Narmi provides innovative digital banking solutions for financial institutions. Our core banking platform, mobile banking app, and open banking API.
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Treasury Prime
Treasury Prime builds API banking technology that improves the economics of banking to empower transformative financial services.
Visa
Visa is a trusted world leader in digital payment technology that connects and enables individuals, businesses, and economies to thrive.
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MANTL
MANTL is the industry's most powerful growth engine, driving consumer and commercial deposits anytime, anywhere, with a single, seamless entry point for account origination.
MEA Financial Services
MEA is a national leader in the provision of innovative software solutions to the financial services marketplace around the nation.
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Synctera
Banking as a Service Platform — Synctera helps companies build, launch, and scale innovative financial products.
Unit
Unit is the platform that helps leading tech companies store, move, and lend money.
Column Tax
Column Tax enables mobile banks and fintech companies to offer top tier tax features to their end users.
April
April is using AI to cut through industry red tape, empowering Americans to achieve financial greatness with a personalized, embedded tax experience and smarter tax tech.
MX
MX helps financial institutions, fintechs, and businesses leverage financial data to drive growth and deliver personalized money experiences that enhance customer engagement and retention.
Q2
Q2 boosts engagement by enabling account holders to switch direct deposits and update payment cards in minutes.
Finastra
Finastra offers top software for Lending, Payments, Treasury, Banking, and an open platform for bank and fintech collaboration.
Terafina
Terafina unifies onboarding and sales for banks and credit unions across digital, call center, and branch channels, covering deposits and loans for consumers and businesses.
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Security at Pinwheel
Pinwheel's security program meets or exceeds industry standards. With multiple controls in place, we ensure your personal information remains safe. Plus, we're the only API provider with a Chief Information Security Officer (CISO).
Earned wage access (EWA) has helped consumer finance companies to become the primary financial account by leveraging a powerful incentive. Download this guide to learn the basics of EWA, along with best practices for implementation, risk reduction, and data accuracy.
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INDUSTRY LEADING CONVERSION
Pinwheel Deposit Switch covers 100% of U.S. payroll scenarios with flexible switch methods across our network of 17k+ partners.
Pinwheel PreMatch
Pinwheel PreMatch, achieves the industry's best conversion rates with the only 100% credential-less solution. Our latest innovation is made possible by first-of-its-kind, real-time income data sharing via our proprietary network of payroll partners.
I-9 match eliminates need for user-entered payroll credentials and reduces fraud
Personalization drives intent
Frictionless UX improves conversion
Up to 20% coverage
Pinwheel NativeLink
Our device-enabled solution increases conversion and enhances security by leveraging saved passwords or biometrics to authenticate a user's payroll record from their personal device.
20%-30% conversion lift
65% faster new account funding
30 day implementation
Up to 85% coverage
Pinwheel SelfLink
We revolutionized the direct deposit switch experience with our flagship product, SelfLink. Users are offered a choice of two easy ways to make a switch: credentialed login or payroll lookup.
20% conversion lift
65% faster new account funding
30 day implementation
Up to 95% coverage
Pinwheel Forms
For exception scenarios not available for automated processing, we make customer switches easier with ready to submit, pre-filled forms.
Easier, more intuitive process improves NPS
Form pre-fill decreases errors
Works for every exception scenario
100% coverage
Pinwheel Core
We revolutionized the Direct Deposit Switch experience with our flagship product, Pinwheel Core. This omnichannel solution is proven to improve NPS and is available on desktop, on device, and in branch.
20% conversion lift
65% faster new account funding
30 day implementation
Pinwheel Prime
Our next generation product, Pinwheel Prime, achieves the industry's best conversion rates with the only 100% credential-less solution. Our latest innovation is made possible by first-of-its-kind, real-time income data sharing via our proprietary network of payroll partners.
I-9 match eliminates need for user-entered payroll credentials and reduces fraud
Personalization drives intent
Frictionless UX improves conversion
GETTING STARTED IS EASY
Let’s talk about how Pinwheel can deliver game-changing results for your acquisition funnel.