CSI NuPoint vs Tuum

CSI NuPoint is a cloud-based core banking platform for financial institutions, including community and regional banks. It supports operations such as deposits, withdrawals, loan servicing and transaction processing. Other listed functions include loan management, customer engagement, business intelligence and analytics, and fraud detection and risk management. CSI says NuPoint consolidates loans in one application and provides reporting tools to monitor and analyze performance.

Banks can customize fields, screens, workflows and user-level views. Its component-based architecture lets banks add applications as they become available. API integration connects the core with third-party providers, and CSI’s developer portal provides documentation, examples, workflows and sandbox access for integration work. Users can access the core on a tablet or mobile device, as well as through web and API platforms. Risk tools support monitoring suspicious activity and money laundering violations. Fraud controls include automated positive pay, configurable check number ranges and high-dollar limits, and alerts for suspected checks. CSI describes its approach as focused on functionality, compliance and security, and says it works one-on-one with client banks. Pricing requires contacting CSI.

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.