Tuum is a next-generation core banking technology provider. Its API-first, cloud-agnostic and highly configurable banking platform covers all retail and business banking processes, from accounts and lending to payments and cards. Tuum enables banks, fintech startups or even non-financial companies to roll out customer-centric financial solutions with ease. The modular approach allows companies to pick and choose the capabilities they need, with the option of adding additional ones in the future. Tuum brings together expertise in technology and banking. It was founded in 2019 by a small group of Estonian financial IT pioneers with decades of experience in digitising and transforming large Nordic banks. The company has acquired customers throughout Europe and currently employs over 100 people in its offices in Tallinn, Berlin, Malaga and London.