OP Financial Group Transforms Lending
OPFG modernized its lending operation by deploying Tuum alongside its legacy core, enabling phased transformation. This co-existence model delivered rapid innovation without disruption.
Transforming
Lending for a
Digital Future
Tuum is rewiring how lending works. Our cloud-native platform powers digital lending for banks, fintechs, and brands, helping you launch, embed, and scale personal and business lending—from BNPL to SME financing—without complexity. Move fast, automate everything, and deliver lending exactly when and where customers need it.
Lending Without Limits
Lending should be built for speed, scale, and automation—not held back by legacy systems. With Tuum, you can introduce new lending products without disrupting existing infrastructure. Our platform co-exists with legacy cores, enabling you to innovate while maintaining operational stability—just like OP Financial Group, which launched a new digital lending product on Tuum while keeping its legacy loan book intact.
Personal and BPNL Lending
Power consumer loans, BNPL, and point-of-sale financing with automated credit decisioning.
SME and Invoice Financing
Offer fast, flexible business lending with instant approvals and seamless cash flow management.
Auto and Microfinance
Scale vehicle financing and support underserved markets with tailored credit solutions.
Embedded & Open Banking-Powered Credit
Enable new lending models like Fiinu’s Plugin Overdraft®, which lets customers access credit without switching banks.
End-to-End Automation
Automate the entire lending journey from onboarding to disbursement, just like OP Financial Group, which reduced loan origination time to 5 minutes.
Seamless Ecosystem Integration
Connect to credit bureaus, payment networks, and compliance tools for frictionless lending.
Proven Success, Trusted by Industry Leaders
Tuum powers flexible, and scalable lending, helping financial institutions reduce costs, increase efficiency, and bring new products to market faster.
Scalability and Automation
70 % reduction
Reduce manual processing by up to 70% with AI-driven decisioning and automated loan servicing, cutting costs and improving efficiency.
4 x increase
One of the largest financial institutions in Finland, scaled its loan book 4x, reduced operational costs, and launched a new consumer loan product where customers go from application to disbursement in just 5 minutes—all while keeping its legacy loan book intact.
< 6 months
A specialist in consumer and business financing solutions, implemented Tuum’s lending and payments platform in less than 6 months, enabling them to introduce new credit, gift, and prepaid card solutions while expanding into new markets.
13 markets
A leader in mobile lending, powers digital consumer lending across 13 markets, enabling seamless cross-border expansion with Tuum.
Customer Success
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Lending in Action: How Financial Institutions Innovate and Scale with Tuum
Whether expanding a loan book, embedding credit into digital channels, or increasing efficiency through automation, Tuum gives lenders the agility to innovate and scale.
Read more
“Not only did Tuum as a core banking platform present some of the best qualities in the market, but a partner like Tuum also enabled us as a project to adopt this very agile, low bureaucracy collaboration model where knowledge was shared between OP and Tuum, and key architectural questions were discussed together as one project team”
Aleksi Rossi
Product Owner, OP Financial Group
A Future-Proof Lending Core for Any Market
Tuum’s cloud-native, API-first lending module is built on a modern microservices architecture, ensuring seamless integration into your ecosystem. This gives you the flexibility to launch, automate, and scale credit products with ease—adapting to market demands faster than ever.
Lending Engine
Configure and launch personal, business, and embedded lending products with flexible fee structures and repayment models, real-time decisioning, multi-currency support and sharia compliant.
Automation & Risk Management
Streamline origination, underwriting, and loan servicing with AI-powered decisioning, automated risk assessment, and end-to-end workflow automation.
Ecosystem Connectivity
Connect effortlessly to credit bureaus, payment networks, KYC/AML providers, and compliance tools for frictionless lending operations.
Why Lending Institutions Choose Tuum
Leading financial institutions trust Tuum to modernize lending with speed and agility. Our collaborative approach ensures seamless transformation—just like OP Financial Group, which was awarded the Celent Model Bank 2024 for Core Transformation after successfully launching its new consumer lending propisition on Tuum.
Launch Lending Products Faster
Get to market in weeks, not years, with minimal development and fully configurable workflows.
Scalability Without Limits
Support high-growth lending operations across multiple markets, currencies, and customer segments.
Seamless Integration
Embed lending into any platform with flexible APIs, connecting effortlessly to payments, underwriting, risk and collection systems.
Ready to Scale Your Lending Business?
Join leading financial institutions leveraging Tuum for transformative lending success and growth.