05 · LUMA — Marketing
Illuminate your marketing. Find the leads that matter.
LUMA - Lead Understanding, Marketing Attribution - is the end-to-end marketing intelligence platform built for lending. It reconciles attribution gaps, highlights high-quality leads, and ensures publishers are paid fairly, giving you clarity, control, and confidence in every marketing dollar.
Book a demoThe challenge
Millions of leads, a fraction of borrowers.
Lending companies generate millions of leads, but less than a fraction convert into real borrowers. Attribution gaps leave publishers unpaid, affiliates disengaged, and marketing teams uncertain about where their budgets work best.
LUMA solves this. It is an end-to-end marketing intelligence platform that gives lending companies a single source of truth for lead attribution, quality, and publisher payouts.
Dashboard
Attribution & reconciliation, in one place
Track lead attribution sources and reconciliation status in real-time. See exactly where every lead came from and ensure publishers are paid fairly.
Attribution summary
Visualize lead attribution breakdown by channel with clear status indicators: attributed, conflicted, or unattributed. Instantly identify which channels drive the most volume and quality.
- Multi-channel attribution tracking (Google Ads, Meta Ads, Affiliates)
- Visual status indicators for quick insights
- Filter by date range, channel, publisher, and status
Reconciliation rules
Configure intelligent fallback logic to resolve attribution conflicts automatically. Ensure every lead is reconciled to its rightful source with customizable rules.
- R1: Fallback to publisher click log within 7 days
- R2: Deduplicate by deviceId + phoneHash
- R3: IP burst control for fraud prevention
Lead intelligence
Lead-level attribution intelligence
Drill down to individual lead details with complete attribution history, quality scores, fraud flags, and payout eligibility. Every data point you need in one view.
Attribution status
Track Appsflyer status: Attributed, Unattributed, or Conflicted with reconciliation details.
BRE quality score
Real-time classification: Perfect, Accept, or Reject based on your Business Rules Engine.
Fraud detection
Automatic fraud flags: ip_burst, duplicate devices, suspicious patterns.
Example lead records
Capabilities
What LUMA delivers
Accurate attribution
Reconcile every lead to its rightful source - no more missed or conflicted Appsflyer records. Track the complete customer journey from first touch to loan disbursement.
Lead quality intelligence
Connect with your BRE to classify leads instantly as Perfect, Accept, or Reject. Understand which sources drive high-quality borrowers, not just high volumes.
Publisher trust & payouts
Transparent statements and automated reconciliation ensure affiliates are paid fairly and on time. Build lasting relationships with your best-performing publishers.
Unified dashboard
Monitor leads, quality, ROI, and payouts from one console with clear, real-time visibility. No more juggling multiple tools and spreadsheets.
Fraud protection
Spot duplicate devices, click floods, and suspicious traffic before they drain your budgets. Advanced fraud detection algorithms protect your marketing spend.
Smart spend control
Optimize ad budgets across Google, Meta, and affiliates with rules that balance CAC, ROI, and quality. Automatically pause underperforming campaigns.
Analytics
Advanced analytics & intelligence
Go beyond basic metrics with predictive analytics, channel comparison, and publisher performance insights that drive real business growth.
Forecast trends
Predict future lead quality and conversion rates based on historical data. Identify seasonal patterns and optimize your marketing calendar accordingly.
- ML-powered conversion rate predictions
- Seasonal trend analysis and recommendations
- Budget allocation optimization based on forecasts
Compare channels
Understand the true performance of each marketing channel with apples-to-apples comparisons across CAC, LTV, quality scores, and conversion rates.
- Multi-touch attribution across all channels
- Quality-adjusted CAC and ROI metrics
- Channel mix optimization recommendations
Identify top publishers
Discover which publishers truly drive borrower growth, not just lead volume. Reward your best partners and optimize your affiliate network.
- Publisher quality scores and rankings
- Conversion funnel analysis per publisher
- Automated performance-based commission tiers
Fraud detection
Protect your marketing budget with advanced fraud detection that identifies suspicious patterns, duplicate devices, and low-quality traffic sources.
- Real-time fraud scoring and alerts
- Device fingerprinting and duplicate detection
- Click flood and bot traffic identification
Advantage
The LUMA advantage
Transform your marketing operations with clarity, efficiency, and trust at every step.
Cut the noise
Pinpoint the few leads that matter from millions. Focus your efforts on high-quality prospects that actually convert.
Save costs
Eliminate wasted spend and pay only for valid leads. Reduce CAC by up to 40% with intelligent budget allocation.
Scale with trust
Build lasting relationships with affiliates through fairness and transparency. Automated payouts and clear reporting.
Grow faster
Double down on the best channels and publishers for real borrower acquisition. Data-driven growth at scale.
Deep dive
Complete marketing intelligence hub
Attribution reconciliation
Reconcile every lead to its rightful source with advanced attribution logic. Resolve conflicts between Appsflyer, UTM parameters, and publisher claims automatically.
- Multi-touch attribution modeling
- Conflict resolution algorithms
- Cross-device tracking
- Complete customer journey mapping
BRE integration & quality scoring
Connect directly with your Business Rules Engine to classify leads in real-time. Understand which marketing sources drive Perfect, Accept, or Reject leads.
- Real-time lead quality classification
- Quality-adjusted CAC calculations
- Source-level quality benchmarking
- Predictive quality scoring
Automated publisher payouts
Generate transparent payout statements automatically. Reconcile publisher claims with actual conversions and ensure fair, timely payments that build trust.
- Automated reconciliation
- Transparent payout statements
- Performance-based commission tiers
- Dispute resolution workflows
Smart budget optimization
Set rules that automatically optimize spend across Google, Meta, and affiliate channels. Balance CAC, ROI, and quality to maximize borrower acquisition.
- Automated budget reallocation
- Campaign pause/resume rules
- ROI-based spend optimization
- Quality threshold enforcement
Outcomes
Measurable impact
Leading lending companies trust LUMA to optimize their marketing operations and drive real growth.
Reduce customer acquisition costs by eliminating wasted spend on low-quality leads.
Reconcile 3x more leads to their correct source with advanced attribution logic.
Build trust with transparent payouts and fair reconciliation processes.