Multitude’s consumer banking arm is revolutionizing personal finance with a seamless, digital-first experience inspired by the likes of Netflix. Originally launched under the SweepBank brand, the business leverages advanced analytics and hyper-personalization to reshape everyday banking. To deliver on this vision, it needed a modern, agile core banking platform with broad functional coverage.
The challenge: customer-centric digital banking
The team behind this offering had a clear mission: to deliver hyper-personalized, digital-only banking with the same intuitive, curated experience that customers expect from entertainment and tech giants.
To do this effectively, Multitude’s consumer banking business recognized it needed to outsource core platform infrastructure—balancing cost-efficiency with time-to-market.
The team sought a solution that combined:
- The speed of a plug-in platform
- The flexibility of building in-house
The solution: advanced analytics & rapid development
Multitude selected Tuum as the core banking platform to power its next-gen consumer banking experience. Tuum’s modular platform—including accounts, cards, lending, and payments—enabled a flexible, API-first architecture to support hyper-personalized services.
Speed to market was critical: the first capabilities (accounts and payments) went live in just five months. A credit card API followed in four months, with the proof-of-concept launched in six. The product roadmap now includes features like multi-currency lending and value-added services tailored to a younger, digitally native audience.
Implementation: startup speed with enterprise ambition
The Tuum and Multitude teams worked closely using a lean, agile model—sharing an entrepreneurial mindset that enabled rapid iteration.
In the same way that we listen to our customers and feedback to deliver something that truly meets their needs, Tuum did the same with us. They listened and made sure that they could help us deliver on our vision and keep pace with the ambitious growth plans we’d set out.
Thomas Rahman
Product Owner, Consumer Banking – Multitude
Powered by Tuum
Financial innovation
Just as Netflix and Spotify transformed entertainment, Multitude’s consumer banking experience is redefining digital finance—delivering banking where and when customers need it most.
Digital-first banking
From onboarding in minutes to virtual cards and mobile-first experiences, everything is designed for the digital generation.
Pan-European scalability
After launching in Finland and Latvia, the business quickly expanded to Germany, with further EU markets in the pipeline—enabled by Tuum’s scalable architecture.
Merchant ecosystem
Through its app, customers access exclusive merchant deals and loyalty rewards—blending finance with lifestyle.
“We feel confident that in Tuum, we’ve found the right partner to help us grow in whichever way the future takes us.”
Thomas Rahman