Mambu vs Tuum
Mambu
mambu.comTuum
tuum.comSide by side
| Figure | Mambu | Tuum |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 1 | 1 |
| Spec score · Banking Systems | 7.1 (#11) | 7.4 (#10) |
| Spec score · Core Banking Software | 7.1 (#15) | 7.4 (#13) |
| Core banking | Mambu Core is a cloud-native, composable core banking platform for banks, lenders and fintechs. | Its core banking module supports account, lending, and payment capabilities, including multi-currency accounts and virtual IBANs. |
| Deployment | Mambu supports greenfield launches, progressive modernisation, dual-core strategies and full migration. | Tuum describes public cloud, private cloud, on-premises, and hybrid deployment options. |
| Founded | 2010 | 2019 |
| Headquarters | Amsterdam, Netherlands | Tallinn, Estonia |
| Intended customers | Mambu describes its customers as banks, neobanks, credit unions, lenders, fintechs and non-financial institutions. | Tuum says it serves institutions ranging from multinational banks to fintechs and small and medium-sized enterprises. |
| Lending | Mambu supports consumer, SME, buy now pay later and embedded finance lending products. | Tuum’s lending module supports secured and unsecured lending, consumer loans, mortgages, and Banking-as-a-Service lending models. |
| Payments | Mambu Payments connects to partner banks and schemes, orchestrates payment flows and manages operations through a single API. | The payments module handles SEPA, SWIFT, FX, local payment schemes, and direct debits, with rule-based routing and liquidity management. |
| Product | Mambu connects core banking, payments and agentic AI in an Intelligent Core for financial institutions. | Tuum is a modular, cloud-native core banking platform for banks and financial institutions. |
| Security | Mambu says it maintains SOC 1 and SOC 2 reports and an ISO/IEC 27001 information security management system. | Tuum announced that it achieved ISO 27001 certification in May 2022 after a company-wide audit of data management, technology, and risk practices. |
Plans
In their own words
Mambu
Mambu is a cloud-based core banking platform for banks, lenders, fintechs and other financial institutions. Its Mambu Core is composable and supports deposits, consumer and SME lending, buy now pay later, embedded finance, Islamic banking and payments. Mambu Payments connects partner banks and payment schemes, coordinates payment flows and manages operations through one API. Mambu Agentic links AI to core data and supports agents and workflows inside the platform. RESTful APIs, webhooks and streaming APIs connect systems, partners and services. The platform supports greenfield launches, progressive modernisation, dual-core strategies and full migration, with loan management, real-time processing, API access and regulatory reporting. Mambu states a 99.99% uptime SLA for Mambu Core. It describes SOC 1 and SOC 2 reports, an ISO/IEC 27001 information security management system and 24/7 on-call coverage for security or risk incidents. It is available through web and API access. Pricing is on request.
Tuum
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.