Cloud-based technology will bring retail and commercial banking onto a unified digital platform, giving customers a more flexible and personalized way to manage their finances
San Ramon, California, 16 September 2026 – Digital banking has become an important part of how customers interact with their financial institutions. People increasingly expect banking services to be simple, accessible, secure, and available across their phones and computers. For community banks, meeting these expectations while preserving personalized customer relationships can be a complex task. Eclipse Bank is taking a step toward addressing this challenge by selecting Lumin Digital as its new digital banking provider.
The Louisville, Kentucky-based community bank will adopt Lumin Digital’s cloud native platform to support its retail and commercial banking customers. The goal is to create a more connected digital experience across online and mobile banking while giving the bank flexibility to introduce new services and capabilities as customer needs change.
For Eclipse Bank, the move is part of its broader focus on providing customized banking services. Instead of treating digital banking as a separate channel, the bank plans to use the new platform to strengthen the relationship between its customers and its banking services. The technology is designed to give customers a consistent experience whether they access their accounts through a mobile device or an online banking portal.
Lumin Digital’s cloud native approach is central to the partnership. Cloud-based banking platforms can help financial institutions update their digital services more efficiently and connect additional technologies as their requirements evolve. For Eclipse Bank, this means having a foundation that can support new capabilities without requiring a complete redesign of its digital banking infrastructure each time customer expectations change.
The platform will serve both retail and commercial banking customers. This is significant because the needs of individual customers and businesses can differ considerably. Retail customers may want convenient account access, payments, transfers, and financial management tools, while business customers may need broader account management and payment capabilities. Lumin Digital provides digital and mobile banking solutions designed to support both groups through a common platform.
Another important part of the initiative is flexibility. Eclipse Bank wants to be able to introduce additional capabilities and connect services as its business develops. Lumin’s platform supports integrations and application programming interfaces, allowing financial institutions to extend their digital environments and connect additional tools. This can help banks respond more quickly as technology and customer expectations continue to evolve.
The partnership also reflects a wider shift in the banking industry. Community banks have traditionally relied on personal relationships and localized service. At the same time, customers now expect many of the conveniences associated with large financial institutions and technology-focused banking platforms. Modern digital banking technology can allow community banks to provide those digital conveniences while continuing to build relationships through their existing service models.
Lumin Digital says its platform is designed around continuous development, with regular updates and a broad network of integrations. Its banking platform currently supports more than 50 financial institutions and more than eight million users, according to information published by the company.
Security and operational efficiency are also important elements of modern digital banking. Lumin Digital describes its platform as supporting secure digital and mobile banking while providing tools for risk management, data and analytics, digital marketing, and operational efficiency. These capabilities can give financial institutions more ways to understand customer behavior and improve digital services.
Eclipse Bank was established in 2005 and is a wholly owned subsidiary of Eclipse Bancorp. The bank provides commercial, retail, and private banking services through banking centers in Louisville, Kentucky, and Johnson City, Tennessee. It is also a Small Business Administration Preferred Lending Partner.
The selection of Lumin Digital represents another stage in Eclipse Bank’s digital transformation. By bringing its retail and commercial banking experiences onto a cloud-based platform, the bank is creating room for new digital capabilities while maintaining a focus on customized customer service. The partnership shows how community banks can use modern financial technology to develop digital experiences that are both convenient and adaptable.
As banking continues to move toward mobile-first and digitally connected services, the ability to combine technology with customer-focused banking will remain an important part of financial institutions’ digital strategies. Eclipse Bank’s collaboration with Lumin Digital demonstrates how cloud technology, digital banking platforms, and flexible infrastructure can work together to support the next phase of banking services.
