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Tuum

tuum.com

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Spec score 7.4 #10 of 20 in Banking Systems

What it is

Tuum is a modular core banking platform for banks and financial institutions, with capabilities for accounts, payments, lending, cards and Islamic banking. Customers can select modules, and an API-first microservices architecture is intended to support incremental modernization alongside legacy systems. Deployment options include public cloud, private cloud, on-premises and hybrid environments. Tuum says open APIs and pre-built integrations connect third-party systems and providers. Listed payment integrations include Centrolink, Currencycloud, LHV and Banking Circle, with AML connectivity from ComplyAdvantage and Hawk; card connections include Nets and Paymentology, plus Mastercard tokenization through MDES. The platform supports multi-currency accounts and virtual IBANs, card issuing and processing, and payment operations including SEPA, SWIFT, FX and direct debits. Tuum states support for more than 2,500 transactions per second and 99.99% uptime. Its Islamic Banking module is described as AAOIFI-compliant. Tuum says average core banking implementation takes less than seven months. Founded in 2019 and headquartered in Tallinn, Estonia, the company offers pricing on request and directs prospective customers to book a demo. It is a software vendor, not a provider of an EMI or banking license.

Spec sheet

What it does
Tuum is a modular, cloud-native core banking platform for banks and fintechs, covering accounts, payments, lending, cards, and Islamic banking.Read 7 Oct 2026 · tuum.com
Product
Tuum is a modular, cloud-native core banking platform for banks and financial institutions.Read 7 Oct 2026 · tuum.com
Deployment
Tuum describes public cloud, private cloud, on-premises, and hybrid deployment options.Read 7 Oct 2026 · tuum.com
Security
Tuum announced that it achieved ISO 27001 certification in May 2022 after a company-wide audit of data management, technology, and risk practices.Read 7 Oct 2026 · tuum.com
Compliance
The FAQ says Tuum supports multi-jurisdiction compliance across European, GCC, and MEA markets and cites GDPR, IFRS, FCA, PRA, ECB, SAMA, and AAOIFI.Read 7 Oct 2026 · tuum.com
Headquarters
Tallinn, EstoniaRead 28 Sep 2026 · tuum.com
Founded
2019Read 28 Sep 2026 · tuum.com
API connectivity
Tuum says open APIs and pre-built fintech integrations allow customers to connect third-party systems and providers.Read 7 Oct 2026 · tuum.com
Architecture
The platform uses an API-first, microservices architecture and supports deployment on public cloud, private cloud, on-premises, or hybrid infrastructure.Read 7 Oct 2026 · tuum.com
Card integrations
The Cards module lists pre-integrations with Nets and Paymentology and Mastercard tokenization support through MDES.Read 7 Oct 2026 · tuum.com
Cards
The cards module supports debit, credit, and prepaid card issuing, transaction processing, configurable pricing and limits, and fraud rules.Read 7 Oct 2026 · tuum.com
Company history
Tuum says its story began when five Estonian banking technology pioneers launched a modular core banking platform; a company announcement states it was founded in 2019.Read 7 Oct 2026 · tuum.com
Core banking
Its core banking module supports account, lending, and payment capabilities, including multi-currency accounts and virtual IBANs.Read 7 Oct 2026 · tuum.com
Implementation
Tuum says its average core banking implementation takes less than 7 months to go live.Read 7 Oct 2026 · tuum.com
Intended customers
Tuum says it serves institutions ranging from multinational banks to fintechs and small and medium-sized enterprises.Read 7 Oct 2026 · tuum.com
Islamic banking
Tuum's Islamic Banking module is described as AAOIFI-compliant and built for full Islamic banks or Islamic windows within conventional banks.Read 7 Oct 2026 · tuum.com
Lending
Tuum’s lending module supports secured and unsecured lending, consumer loans, mortgages, and Banking-as-a-Service lending models.Read 7 Oct 2026 · tuum.com
Modules
Customers can select the capabilities they need from core banking, cards, Islamic banking, lending, and payments modules.Read 7 Oct 2026 · tuum.com
Not a bank
Tuum states that it is a software vendor and does not provide an EMI or banking license.Read 7 Oct 2026 · tuum.com
Payment integrations
The Payments module lists pre-integrations with Centrolink, Currencycloud, LHV, and Banking Circle, plus AML connectivity with ComplyAdvantage and Hawk.Read 7 Oct 2026 · tuum.com
Payments
The payments module handles SEPA, SWIFT, FX, local payment schemes, and direct debits, with rule-based routing and liquidity management.Read 7 Oct 2026 · tuum.com
Pricing availability
The official pages reviewed direct prospective customers to book a demo and do not publish a numeric product price.Read 7 Oct 2026 · tuum.com
Scale
Tuum states its platform supports 2,500+ transactions per second and 99.99% uptime.Read 7 Oct 2026 · tuum.com
Security certification
Tuum announced that it achieved ISO 27001 certification in May 2022.Read 7 Oct 2026 · tuum.com
Support and sales
The product site directs prospective customers to book a demo or contact Tuum's banking experts.Read 7 Oct 2026 · tuum.com
Who it serves
Tuum says it is designed for traditional banks, neobanks, digital-first financial institutions, fintechs, NBFIs, EMIs, and PSPs.Read 7 Oct 2026 · tuum.com

Plans and prices

Custom enterprise platform Priced on request No public price listed; book a demo Read 7 Oct 2026 · tuum.com

Every Tuum plan and price →

Strong points and limits

Strong points

  • Selectable modules cover core banking and payments.
  • Supports public, private, on-premises and hybrid deployment.
  • Lists integrations for payments, AML and cards.
  • States support for 2,500+ transactions per second.
  • Islamic Banking module is described as AAOIFI-compliant.

Limits

  • Pricing is available on request.
  • Tuum does not provide a banking or EMI license.
  • Implementation is described as averaging less than seven months.

Who it suits

Tuum is intended for traditional and digital banks, fintechs, non-bank financial institutions, EMIs and payment service providers. Its modular design and deployment options may suit institutions modernizing alongside legacy systems.

Verdict

Tuum offers a broad, configurable banking platform with multiple deployment choices and listed third-party integrations. Pricing requires contacting the company, and institutions needing a license must obtain it elsewhere.

Where Specifiction places it

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