Tuum

We are proud to announce Tuum’s distinguished recognition in Celent’s Retail Banking Core Systems: Next-Generation Core Banking Edition, 2024. As both a Luminary and a Functional Standout, Tuum continues to redefine the landscape of financial technology, empowering Mid-Large Banks, Small and Digital Banks, and specialty institutions across the globe.     Positioned at the forefront for our innovative and adaptable solutions, Tuum is celebrated for helping institutions not only meet but exceed their modern banking needs. From revolutionizing core banking operations to enabling rapid deployment of new business models like Banking-as-a-Service, our platform ensures financial institutions can unlock new possibilities, drive innovation, and achieve sustainable growth.     Discover how we’re facilitating progressive renovation and helping banks around the world to seamlessly transition into the digital era, aligning advanced technology with customer-first solutions. Read more here 👉 https://lnkd.in/erCcNyS7 #BankingInnovation #FinancialTechnology #CelentReport2024 

🌍 𝗙𝗿𝗼𝗺 𝗪𝗮𝗹𝗹𝗲𝘁 𝘁𝗼 𝗦𝘂𝗽𝗲𝗿 𝗔𝗽𝗽: 𝗪𝗵𝘆 𝘁𝗵𝗲 𝗚𝗖𝗖 𝗶𝘀 𝗥𝗲𝗮𝗱𝘆 𝘁𝗼 𝗟𝗲𝗮𝗱 📱 With 90%+ smartphone penetration, bold national visions like KSA Vision 2030, and consumers hungry for seamless digital experiences, the GCC isn’t just adopting digital finance—it’s poised to own it. Our new playbook breaks it down:  ➡️ Why digital wallet launches are just the first step ➡️ How embedded finance, P2P, and lifestyle services power the evolution ➡️ What tech architecture you actually need to scale like a super app 🚀 The opportunity? To become the ecosystem your customers can’t live without. 👉 Swipe through the carousel for the highlights. Download the full playbook here: https://lnkd.in/eTEs98vB #GCCBanking #DigitalEcosystems #SuperApps #Tuum 

💡 𝗪𝗵𝗮𝘁 𝗶𝗳 𝗰𝗼𝗻𝘀𝘂𝗺𝗲𝗿𝘀 𝗰𝗼𝘂𝗹𝗱 𝗮𝗰𝗰𝗲𝘀𝘀 𝗼𝘃𝗲𝗿𝗱𝗿𝗮𝗳𝘁𝘀—𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗲𝘃𝗲𝗿 𝘀𝘄𝗶𝘁𝗰𝗵𝗶𝗻𝗴 𝗯𝗮𝗻𝗸𝘀? In the latest episode of Tuum Talks, fiinu Founder & CEO Dr Marko Sjoblom shares the breakthrough idea behind the Plug-in Overdraft®: unbundling credit from the current account. Just as Wise unbundled international transfers from traditional banking, Fiinu is using open banking to make overdraft access faster, more flexible, and more inclusive—without the friction of switching banks. 🌍 𝗜𝘁’𝘀 𝗮 𝗳𝗿𝗲𝘀𝗵 𝗮𝗽𝗽𝗿𝗼𝗮𝗰𝗵 𝘁𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗶𝗻𝗰𝗹𝘂𝘀𝗶𝗼𝗻 — 𝗮𝗻𝗱 𝗮 𝗽𝗼𝘄𝗲𝗿𝗳𝘂𝗹 𝗴𝗹𝗶𝗺𝗽𝘀𝗲 𝗶𝗻𝘁𝗼 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗰𝗿𝗲𝗱𝗶𝘁. 🎙️ 𝗪𝗮𝘁𝗰𝗵 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗲𝗽𝗶𝘀𝗼𝗱𝗲 𝗵𝗲𝗿𝗲: https://lnkd.in/e-UqHU_4

🚨 Spotted in Marcel van Oost’s latest Future of Banking newsletter: Tuum’s move into Islamic Banking — a timely reflection of the growing relevance of Sharia-compliant digital finance. Last year, we took a significant step forward with the launch of the foundations of our Islamic Banking solution, designed to support inclusive and ethical banking across traditional Islamic Banks and Conventional Banks with Islamic Windows. As we gear up for Seamless Middle East in May, we’re excited to continue this journey — with further announcements and developments that will shape the future of Islamic banking. Whether you’re building from the ground up or looking to modernize your existing systems, Tuum gives you the flexibility to innovate, scale, and stay ahead of change - Join us in Dubai to explore what’s next. In the meantime, read Marcel’s full feature below. #IslamicBanking #CoreBanking #SeamlessME #DigitalFinance

🚀 𝗧𝘂𝘂𝗺 𝗶𝘀 𝗵𝗲𝗮𝗱𝗶𝗻𝗴 𝘁𝗼 𝗦𝗲𝗮𝗺𝗹𝗲𝘀𝘀 𝗠𝗘𝗔 𝟮𝟬𝟮𝟱! 🌍 We’re proud to announce that Tuum is a Gold Sponsor at Seamless Middle East 2025—the region’s leading event at the intersection of banking, fintech, and digital innovation. 📅 𝟮𝟬–𝟮𝟮 𝗠𝗮𝘆 𝟮𝟬𝟮𝟱 📍 𝗗𝘂𝗯𝗮𝗶 𝗪𝗼𝗿𝗹𝗱 𝗧𝗿𝗮𝗱𝗲 𝗖𝗲𝗻𝘁𝗿𝗲 📌 𝗦𝘁𝗮𝗻𝗱 𝗛𝟳-𝗕𝟯𝟰, 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 𝗣𝗮𝘃𝗶𝗹𝗶𝗼𝗻 Whether you’re looking to launch a digital bank, expand into embedded finance, or modernize without the pain of a full core replacement—Tuum is your strategic technology partner. We’ll be showcasing how our 𝗰𝗹𝗼𝘂𝗱-𝗻𝗮𝘁𝗶𝘃𝗲, 𝗺𝗼𝗱𝘂𝗹𝗮𝗿 𝗰𝗼𝗿𝗲 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺 empowers: ✅ 𝗜𝘀𝗹𝗮𝗺𝗶𝗰 𝗯𝗮𝗻𝗸𝘀 to deliver Sharia-compliant products with speed and flexibility ✅ 𝗧𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗯𝗮𝗻𝗸𝘀 to modernize progressively, not disruptively ✅ 𝗙𝗶𝗻𝘁𝗲𝗰𝗵𝘀 𝗮𝗻𝗱 𝗘𝗠𝗜𝘀 to scale digital products and payments without limits ✅ 𝗕𝗮𝗮𝗦 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿𝘀 to build future-ready infrastructure that scales across markets 💬 Want to see next-gen core banking in action? 👉 Book a meeting with us now: https://lnkd.in/evmkkr7q Let’s connect in Dubai and explore how to build banking that’s limitless, agile, and built for growth. #Tuum #SeamlessMEA #CoreBanking #Fintech

🔎 Where is BaaS delivering real value—and what does success actually look like? Across industries, Banking-as-a-Service is enabling new models of financial interaction: 🔷 Ride-hailing apps offering instant driver payouts 🔷 SME lenders approving loans in seconds 🔷 Digital banks serving global customers without borders But there’s a common thread behind the most impactful BaaS use cases: the ability to scale with speed and resilience. We’ve explored five real-world applications where BaaS is unlocking financial innovation—from embedded finance to cross-border banking—and the infrastructure that makes it possible. 💡 Read the blog to see where BaaS is winning—and why the next wave of innovation depends on performance, not just potential. 🔗 https://lnkd.in/eG__uXNM #BankingAsAService #DigitalBanking #EmbeddedFinance #FinancialInclusion #Fintech #CoreBanking

🔓𝗨𝗻𝗹𝗼𝗰𝗸𝗶𝗻𝗴 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗜𝗻𝗰𝗹𝘂𝘀𝗶𝗼𝗻 𝘄𝗶𝘁𝗵 𝗣𝗹𝘂𝗴-𝗶𝗻 𝗢𝘃𝗲𝗿𝗱𝗿𝗮𝗳𝘁𝘀 💡Missed our latest Tuum Talks? Catch up now—because this episode reshapes what you thought you knew about overdrafts. In Episode #12, Tuum co-founder Rivo Uibo sits down with Dr Marko Sjoblom, founder & CEO of fiinu, to explore one of the most exciting innovations in retail banking: 𝗣𝗹𝘂𝗴-𝗶𝗻 𝗢𝘃𝗲𝗿𝗱𝗿𝗮𝗳𝘁®. Here’s what you’ll take away from the discussion: 🚪 𝗢𝗽𝗲𝗻 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 𝘂𝗻𝗹𝗼𝗰𝗸𝘀 𝗮𝗰𝗰𝗲𝘀𝘀 Fiinu is unbundling overdrafts from current accounts—removing the need to switch banks and making credit accessible to the 80%+ of UK customers who currently don’t have it. 🤝 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗶𝗼𝗻 𝗼𝘃𝗲𝗿 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝗼𝗻 Fiinu’s model is infrastructure-first: not here to replace banks, but to empower them. It’s tech that works alongside existing systems—not disruptively, but transformatively. ⚙️ 𝗪𝗵𝘆 𝗧𝘂𝘂𝗺? 𝗕𝘂𝗶𝗹𝘁 𝗳𝗼𝗿 𝘁𝗵𝗶𝘀. When Fiinu needed a core provider to meet strict regulatory demands, deliver rapid time-to-market, and scale with their mission—they chose Tuum. Live in 12 weeks, with APIs, agility, and value to match. 🎙️ Whether you’re a bank, fintech, or investor looking to better understand the future of embedded credit and financial inclusion, this is one you don’t want to miss. 👉Watch the recording here: https://lnkd.in/e-UqHU_4 #overdraft #financialinclusion #innovation #tuum #fiinu

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝗶𝘁 𝗿𝗲𝗮𝗹𝗹𝘆 𝘁𝗮𝗸𝗲 𝘁𝗼 𝘁𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺 𝗹𝗲𝗴𝗮𝗰𝘆 𝘀𝘆𝘀𝘁𝗲𝗺𝘀 𝘄𝗵𝗶𝗹𝗲 𝗺𝗮𝗶𝗻𝘁𝗮𝗶𝗻𝗶𝗻𝗴 𝗿𝗲𝘀𝗶𝗹𝗶𝗲𝗻𝗰𝗲? At #PAY360, Tuum’s VP of Cards, Payments & Strategic Accounts, David Abbott, joined the industry conversation on modernization—diving into the debate between building in-house vs. leveraging third-party platforms. But it was a conversation after the event with a Tuum developer from Estonia that really brought it home. In his latest blog, David shares four sharp takeaways that reframed the legacy transformation challenge—from tech debt and documentation, to the fragility of institutional knowledge and the power of a platform built for the digital age. And he offers a fresh perspective on how Tuum’s Lending module isn’t just a product—it’s an entry point for modernizing an entire banking stack. 🔍 Minimal tech debt ⚙️ Low-code adaptability 🌐 API-first flexibility 🚀 Speed to launch Read David’s post for a closer look at what happens when developers are empowered, platforms are purpose-built, and legacy systems finally meet their match. 👉 https://lnkd.in/eNbGApwi

🎙️“𝗪𝗮𝗹𝗹𝗲𝘁𝘀 𝗮𝗿𝗲 𝗿𝗮𝗽𝗶𝗱𝗹𝘆 𝗲𝗺𝗲𝗿𝗴𝗶𝗻𝗴 𝗮𝘀 𝘁𝗵𝗲 𝗽𝗿𝗶𝗺𝗮𝗿𝘆 𝗰𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗶𝗻𝘁𝗲𝗿𝗳𝗮𝗰𝗲—𝗮𝗻𝗱 𝗯𝗮𝗻𝗸𝘀 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗯𝗲 𝗿𝗲𝗮𝗱𝘆.” At #Pay360, our VP of Cards, Payments & Strategic Accounts, David Abbott, joined the the c-suite podcast to share his perspective on the future of digital wallets, embedded finance, and simplifying the complex banking stack. 💡 𝗛𝗶𝘀 𝗸𝗲𝘆 𝗺𝗲𝘀𝘀𝗮𝗴𝗲? 𝗧𝗵𝗲 𝗵𝗮𝗿𝗺𝗼𝗻𝗶𝘀𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝗱𝗲𝗯𝗶𝘁 𝗰𝗮𝗿𝗱𝘀, 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱𝘀, 𝗹𝗲𝗻𝗱𝗶𝗻𝗴, 𝗮𝗻𝗱 𝗱𝗲𝗽𝗼𝘀𝗶𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝗶𝘀 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝗹𝗶𝗸𝗲𝗹𝘆—𝗶𝘁’𝘀 𝗶𝗻𝗲𝘃𝗶𝘁𝗮��𝗹𝗲. With RPA and modern core platforms driving cost efficiencies, banks have a clear opportunity: streamline infrastructure, simplify the customer experience, and deliver all financial services through a single, unified interface. 🎧 Watch the clip below!

🌍 𝗧𝗵𝗲 𝗚𝗖𝗖 𝗶𝘀 𝗮𝗰𝗰𝗲𝗹𝗲𝗿𝗮𝘁𝗶𝗻𝗴 𝘁𝗼𝘄𝗮𝗿𝗱 𝗮 𝗱𝗶𝗴𝗶𝘁𝗮𝗹𝗹𝘆 𝗲𝗺𝗽𝗼𝘄𝗲𝗿𝗲𝗱 𝗳𝘂𝘁𝘂𝗿𝗲. National visions—from Kuwait’s 2035 roadmap to Saudi Arabia’s ambition to rank among the top 5 digital nations—are fueling a wave of innovation across the region. With telcos, ride-hailing platforms, and e-commerce giants stepping into the financial ecosystem, the next frontier is clear: super apps that seamlessly blend lifestyle and financial services. 𝗜𝗻 𝗼𝘂𝗿 𝗹𝗮𝘁𝗲𝘀𝘁 𝗯𝗹𝗼𝗴, 𝘄𝗲 𝗲𝘅𝗽𝗹𝗼𝗿𝗲: ✅ The region’s digital potential and readiness ✅ A strategic roadmap for non-financial institutions to enter the financial space ✅ The infrastructure required to build and scale successful super apps 📖 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗽𝗹𝗮𝘆𝗯𝗼𝗼𝗸 𝗵𝗲𝗿𝗲: https://lnkd.in/eTEs98vB #SuperApps #DigitalTransformation #GCCInnovation #EmbeddedFinance #OpenBanking #Fintech #Kuwait2035 #BankingInnovation