Your core system can't go down. Your next release can't wait six months.
Luby is an engineering company for fintechs and financial institutions, building core banking, payments and AI-powered financial products since 2002, from an office in Miami and a delivery center in Brazil.
Rather than generic AI consulting or traditional dev shop body shopping, we take ownership of engineering outcomes across three pillars:
1. AI-Native Product Engineering. End-to-end development where AI agents, automated testing and reusable capabilities carry the repetitive work, and our architects carry the decisions. Fewer handoffs, faster releases, no loss of control.
2. AI Legacy Modernization. Refactoring and migrating complex enterprise codebases without taking the system offline. This is the problem we are called in for most.
3. Agentic Workflows & Integration. Domain-specific AI agents embedded directly into enterprise software, with the fraud controls and audit trails regulators expect around them.
Industries we work in. Financial services, manufacturing, healthcare, logistics, automotive, education and retail. From core banking and payments to manufacturing execution systems and healthcare platforms serving 200,000 members.
How we work. Full product teams, not staffing. Our engineers are in-house and senior, with no subcontractors in the chain. ISO 27001 and ISO 27701 certified, AWS and Google Cloud partners.
What that has produced: a remittance platform at 13 million users, a BaaS core running at 99.99% uptime across 50+ clients, an AI bill-payment app past 550,000 payments processed, and a US community bank that raised digital adoption 45%.