Tuum’s story begins in Estonia, a country which, from humble beginnings, has transformed into being recognized as the most advanced digital nation in the world. In this digital society, five Estonian banking technology pioneers launched a modular core banking platform that is API-first, cloud-agnostic and highly configurable without coding. Combining business know-how with advanced technology, they set out to break down the barriers inhibiting digital innovation in banking. In this, they have been successful: Tuum currently powers clients ranging from large multinational banks to emerging fintech and SMEs by getting to the heart of their business and supercharging them from within. We believe launching customer-centric financial services should be fast and straightforward. We are the innovation engine powering the next generation of financial services.