Tuum renews core banking agreement with Fiinu

By Gloria Methri

Tuum has renewed its core banking software services agreement with Fiinu Plc, a UK-based FinTech known for creating Plugin Overdraft®. This renewed agreement will continue supporting Fiinu’s white-label strategy, which leverages Open Banking to drive large-scale credit innovation.

Building on a successful past deployment, this collaboration aligns with Fiinu’s growth plans and its mission to expand the reach of the Plugin Overdraft® to a wider market.

Tuum will continue to power Fiinu’s core banking environment, providing the scalable infrastructure needed to support their white-label model and expand the reach of the Plugin Overdraft®. The setup allows Fiinu to onboard multiple third-party customer instances, aligned with its white-label ambitions, while maintaining a consistent and high-performance operational backbone.

Rivo Uibo, Co-founder and Chief Business Officer at Tuum, said, “Fiinu’s approach to unbundled overdrafts is a bold response to a real market need. Their Plugin Overdraft® platform aligns perfectly with Tuum’s API-first modular architecture, which is built for rapid deployment and scalability. We are proud to support their journey towards a more inclusive and competitive credit market.”

Dr. Marko Sjoblom, CEO of Fiinu, added, “Tuum has always been a highly collaborative partner. Their platform’s flexibility and readiness allow us to pick up right where we left off, accelerating our go-to-market timeline and enabling us to scale our white-label offering with confidence.”

Fiinu will leverage a pre-configured and tested Tuum environment—implemented initially as part of its bank mobilisation process—allowing them to resume development without restarting from scratch. This significantly shortens implementation cycles and reduces onboarding friction for new institutional partners.

This collaboration also supports Fiinu’s go-to-market alongside a regulated UK banking partner, further reinforcing its readiness to deliver compliant, scalable credit products under the white-label model.

This partnership highlights how modern, cloud-native core banking systems—based on microservices, modularity, and open APIs—can empower FinTechs to innovate quickly, reduce operational complexity, and quickly bring new financial services to market.