Tuum is a cutting-edge, cloud-native core banking platform designed to empower financial institutions and FinTechs with the agility and scalability needed to deliver innovative, customer-centric solutions. Founded in Estonia—where its name translates to “core”—Tuum provides a highly modular platform that enables banks and FinTechs to choose only the components they need, such as payments, lending, accounts, and cards. This flexibility allows institutions to quickly respond to evolving market demands and create tailored services that align with unique customer needs. Tuum’s API-first architecture enables seamless integration…
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Tuum is a cutting-edge, cloud-native core banking platform designed to empower financial institutions and FinTechs with the agility and scalability needed to deliver innovative, customer-centric solutions. Founded in Estonia—where its name translates to “core”—Tuum provides a highly modular platform that enables banks and FinTechs to choose only the components they need, such as payments, lending, accounts, and cards. This flexibility allows institutions to quickly respond to evolving market demands and create tailored services that align with unique customer needs.
Tuum’s API-first architecture enables seamless integration with existing systems, simplifying innovation and ensuring rapid product launches for both established banks and emerging FinTech ventures. By addressing pain points in legacy infrastructure, Tuum helps organizations unlock growth opportunities across key segments, such as:
- BaaS: Empower providers with proven infrastructure for launching scalable solutions that drive new revenue streams and customer growth.
- EMIs and Payments: Expand capabilities with multi-currency wallets, gaming wallets, embedded finance, and payments orchestration. Tuum supports institutions in offering digital-first payment solutions tailored for specific use cases.
- Lending: Facilitate personal and SME lending with modular capabilities like auto-finance, invoice financing, and BNPL.
- Islamic Banking: Enable the delivery of Sharia-compliant financial products, supporting institutions in meeting the unique needs of Islamic finance customers while ensuring compliance and scalability.
Security, compliance, and exceptional customer experience form the foundation of Tuum’s platform. Designed to help institutions expand and digitize operations, the platform supports:
- Global Scalability: Expand across borders and deliver personalized services with support for multi-currency transactions, regional regulations, and complex integrations.
- Targeted Personalization: Modular architecture allows institutions to customize services for specific customer needs, including crypto wallets, greenfield accounts, and digital wallets.
- Operational Agility: Fine-grained configuration ensures institutions can rapidly adapt to changing demands while minimizing maintenance overhead.
Central to Tuum’s solution is its developer-friendly, API-driven framework, which enables extensive configuration without customization. This empowers banks and FinTechs to design highly personalized financial products and services, ensuring they can meet the diverse needs of their customers while retaining operational control.
Tuum’s platform is playing a vital role in helping financial institutions scale operations and enter new markets, driving financial inclusion and promoting growth in the global financial services industry. Its proven track record and ability to deliver results have made Tuum a trusted technology partner for clients across Europe and the Middle East.
With a focus on fostering innovation and enabling growth, Tuum continues to evolve its platform to support new products and services, equipping financial institutions with the tools to thrive in a dynamic digital finance landscape.
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