Lumin

Verified digital credentials can prove identity, qualifications and entitlements, all from a credential held on the user’s device. They could become one of the most useful tools businesses have for restoring trust in digital interactions. In the latest Lumin-hosted roundtable discussion, Mike McRoberts sat down with Joel Foster (Lumin CCO), Claire Barber (CEO, MATTR) and Phil Ross (CISO at Air New Zealand). Their discussion covered three key areas: • The use cases are emerging. Anywhere identity verification today is slow, friction-heavy, or risky; credentials offer a faster path. Travel, onboarding, and contract signing are leading the way. • Holders choose what to share. A credential can prove someone is over 18 or authorized to sign for their company without exposing anything else. • Wider adoption needs a trust network. Issuers, holders and relying parties all need to be ready before credentials deliver their full value. Watch the full conversation: https://lnkd.in/etys_iQG

eSignature platforms replaced paper with faster digital workflows. With identity fraud on the rise, signing quickly means nothing if it isn’t secure. In our latest research, 94% of organizations say agreement workflows are at least somewhat vulnerable to AI-powered fraud, and 54% say current eSignature tools either need security improvements or aren’t sufficient for important agreements. In a new article, Lumin's Founder and CEO, Max Ferguson, writes that the next phase has to verify the identity behind the signature, not just capture the signature itself. Read Max’s full piece: https://lnkd.in/gmB44AXx

No sector is more concerned about AI threats to agreements and contracts than legal services. 86% of legal decision-makers say agreement workflows are very or extremely vulnerable to AI-powered fraud. To unpack why, Lumin held a roundtable hosted by respected journalist and editor Mike McRoberts. Max Ferguson (Lumin CEO) joined, alongside Ada Echetebu (Founder, Norris Echetebu Law) and Claudia Smith (CEO and co-founder, APLYiD and Renti). Key discussion points included: • Risk now runs across the whole agreement lifecycle. Each step is another potential entry point. • Security and user experience don’t have to be a trade-off. Embedding identity verification into the signing workflow can deliver both. • Single-layer identity checks no longer cut it. Biometrics needs to be combined with other signals, like phone and email account history, to stay ahead of AI fraud. Watch the roundtable: https://lnkd.in/gu2ubEYB

Identity fraud cost the average enterprise USD $4.4 million in the past year. 60% of large organizations were hit at least once, and 40% were hit multiple times. Joel Foster, Lumin's Chief Commercial Officer, makes the case that this is no longer a problem for security teams to solve alone, because the impact crosses the whole organization. Revenue is exposed, contracts become harder to enforce and trust between organizations starts to erode. 77% of organizations now say they’re less willing to work with a partner that’s experienced identity fraud. Boards are responding, but spending alone won’t close the gap. Identity fraud needs cross-functional ownership. Read Joel’s full piece here: https://lnkd.in/gKHhiQ9q

Identity fraud used to be IT’s problem. AI made it everyone’s. We hosted experts in this area to discuss where businesses should focus their identity fraud efforts. Mike McRoberts moderated the conversation with Max Ferguson (Lumin CEO), Phil Ross (CISO at Air New Zealand), Daryl Pettitt (Head of Digital Business Enablement at MBIE) and Joel Foster (Lumin CCO). Three key takeaways: → A cross-functional, shared-responsibility approach is now required. IT alone can’t carry this. → AI is a force multiplier for attackers. Recent deepfake voice attacks have cost UK retailers billions, often triggered by a single impersonated phone call. → Verified digital credentials could be an important part of the solution, allowing organizations to take the friction out of identity verification while strengthening trust. Watch the discussion: https://lnkd.in/epiz6cex

Today we’re launching our new report, Digital identity in business: The threats, impact, and opportunities. Spanning 1,000 business decision-makers across three countries, the report paints a clearer picture of the state of digital identity and fraud today. The data shows: • 56% of organizations have experienced identity fraud in the past 12 months. A third have been hit more than once. • 94% believe agreement workflows are vulnerable to AI-powered fraud. • 77% plan to increase investment in identity verification over the next two years. Identity fraud has moved beyond the security team’s purview. The report shows a direct impact on revenue, operations, and brand credibility, and calls for cross-functional ownership among IT, legal, and executive leadership. 🖇️ Read the report, linked in the comments

Before Lodg started using Lumin, signing a document was the slowest part of an otherwise smooth experience. Their users had to print, sign by hand, scan and email documents back — a process that could take up to 45 minutes. Now it takes about 30 seconds. With the Lumin Sign API, users can open a link, review the document and sign in just a few clicks. The documents are co-branded, giving customers confidence at a key moment, and implementation took Lodg no longer than a week 💥 “The difference between the process now with Lumin and what we had before is night and day. It’s so simple now, it’s literally the click of a button.” — Oliver Hickman, Co-founder Read the full story on how Lodg made signing simple 👉 https://lnkd.in/eEhr7E3W

We're hiring a Customer Engagement Analyst 🤝🏼 The role sits within our commercial team — close to Sales, close to the data and focused on turning user behaviour into real revenue decisions. Think pipeline analysis and A/B testing focused on conversion, pricing and engagement. You’ll need Python or SQL, a solid grasp of stats and curiosity about why customers buy, stay, or churn. Think it could be you or someone you know? Apply below 👇🏼 https://lnkd.in/gmDxxtZq

This summer, we welcomed two talented University of Canterbury students to intern with our R&D team. They jumped straight into working on some of our most ambitious projects, spending hours building, testing and solving problems. Our CEO Max Ferguson, puts it perfectly: “We want to build software that people love and enjoy. Our vision at Lumin is to build products that delight daily tasks, and amplify human potential. Heavy investment in R&D is essential to delivering on that vision.” ”This summer, we offered a paid internship programme to allow university students to join our R&D department and work on our technology. While I cannot describe the specific projects they were working on, I can say that some of the product concepts made the impossible seem possible.” Jacob and Hugh, thank you for your curiosity and contribution – we will miss the energy you bring to the office! Best of luck heading back to uni 👋🏼

AI has made identity fraud cheaper, faster and nearly impossible to detect at a glance. In our latest piece, Joel Foster explores how AI is fundamentally changing the threat landscape for digital agreements, and what organisations can do about it. Consumers lost $27.2 billion to identity fraud in 2024 alone, while financial institutions reported a 2,137% increase in deepfake fraud attempts over just three years. When you can’t verify who’s actually signing your agreements, you face legal disputes, compliance gaps and operational delays that seriously undermine trust and the enforceability of agreements. Organisations need confidence that the right person is signing – not just someone who has access to an email inbox. Read Joel’s article here: https://lnkd.in/e5i7sRBa