Scaleup Innovator

Banking, SaaS


Tuum is a next-generation core banking technology provider, enabling banks and fintechs to rapidly roll out customer-centric financial solutions. Its API-first and modular banking platform is highly configurable and covers all retail and business banking processes, from accounts, deposits and loans to payments, cards and collaterals.
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 building core banking systems for 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.
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Team Members

Julien Douve

Global Head of Alliances & Partnerships

Oliver Conetta

Account Executive

Rivo Uibo

Co-Founder, Chief Business Officer