CEPTETEB vs Tuum

CEPTETEB has no write-up on Specifiction yet; its figures are above.

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.