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Luminor Implements E-Banking…


Luminor Implements E-Banking Solution

Estonia-based bank (DNB Pank till 2017-10-01) transformed customer service and developed its internet banking offering with the implementation of an e-banking solution deployed by Etronika.

About the Client

Luminor Bank is a financial institution providing banking, leasing, and insurance brokerage services since 2006. The bank has operated as a local credit institution since September 2012, incorporating banking and leasing activities within one organization.


Luminor Bank has two offices in Estonia and 10,000 clients, but its limited online services portfolio used to rely on phone services as the most common method for banking. This was time-consuming and so the organization encouraged radical changes to enlarge the number of its clients and fuel business growth.

Implemented Solution

Luminor Bank decided to rethink how to provide its clients with services in such a way that was never experienced before. It had a vision of easy, simple, and smart banking. The solution had to be accessible anytime and in any place. It also had to be secure and feel familiar to users, no matter how, when or where they had entered it. The set of banking functions had to be transferred to a digital platform, constructed with an emphasis on improved usability, simplicity, speed, design, and accessibility in order to better serve customers.

Luminor Bank chose Etronika’s e-banking solution Banktron®, which is based on the newest technological innovations and ground-breaking ideas. Luminor Bank needed the solution to be implemented as quickly as possible, so Etronika completed the deployment in just 9 months.

Banktron® is based on Microsoft .NET Framework, ASP.NET and Windows Communication Foundation technologies, and uses Microsoft SQL Server for data storage.

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The solution enables Luminor Bank to deliver better customer services due to the simplicity of the e-banking solution’s interface. Integrated widgets and individually added shortcuts allow faster access to information and accelerated performance of any action. The adaptive design of the solution means that it can be used across different channels and the responsive interface enables a consistent experience, no matter what device the customer uses. The solution’s interface can also be customised by choosing and arranging the relevant widgets and shortcuts for each individual user.

The initial feedback received from our customers has been surprisingly positive and encourages us to develop the internet bank further, perfecting the existing functionalities and adding new ones to the online banking platform throughout 2014. We have found that customers appreciate the much improved user experience and the possibilities of customisation, which makes us believe that the importance of design and user-friendly interface cannot be underestimated.
Maris Heinaru Ex. Head Of E-channels and Product Development at AS DNB Bank

Luminor Bank AB is the third largest bank in the Baltic States, with 16 percent. deposits and 23 percent loan market share.