At Luma Bank, we believe families deserve more from their bank. We're a digital-first, family-centered financial platform created to make banking smarter, safer, and more inclusive—especially for households often left behind by traditional institutions.
From gamified credit-building tools for kids to same-day pay options for parents and guided support on the path to homeownership, Luma is reimagining what it means to grow wealth as a family. We blend modern fintech with real human insight—offering intuitive, tech-forward solutions without losing the personal touch that makes people feel seen and supported.
Nicole Jimenez is a fintech innovator and community banking veteran with over 15 years of experience in payments, sales, and financial services. As a founder raised in a small Texas town, Nicole witnessed firsthand how traditional banks often overlook the needs of everyday families—especially in underserved communities.
Driven by a deep passion for merging technology with human-centered service, she created Luma Bank: a digital-first platform designed to empower families with tools to build credit, gain financial confidence, and plan for their future. Nicole’s mission is to modernize banking without losing the trust and personal touch that make people feel valued.
Through Luma, she’s not just creating a neobank—she’s building a movement to make financial wellness a family affair.
