At Tuum, we’re committed to helping financial institutions modernize without disruption, accelerate product innovation, and scale with confidence. In H1 2025, we advanced that mission across every major product domain—delivering features that address real business needs and support our clients as they build future-ready banking models.
Aligned with our go-to-market pillars—progressive modernization, rapid product innovation, and limitless scale—this half year’s developments are rooted in Tuum’s product strategy: evolving core capabilities, expanding ecosystem connectivity, and delivering platform excellence. The result?
Capabilities that power growth across our key customer segments: from multi-entity operators and Islamic finance institutions to digital-first issuers and beyond.
1. Strengthening the Foundation for Scalable Core Banking
As banks scale across brands, customer types, and regulated markets, Tuum continues to enhance the core capabilities that enable flexible, resilient operations at speed.
- Multi-Entity Enhancements: Institutions can now manage multiple brands, regulated entities, or regional business units in one Tuum instance enabling global, cross-border operations across regions and time zones, with tenant-specific logic for pricing, limits, and behavioral rules.
- Pricing of External Events: We’ve introduced pricing for non-monetary events (e.g. account updates, balance checks, external services), enabling new packaging and monetization models—such as bundled telco + banking offers or integrated SME propositions that include card acquiring and account management.
- Joint Accounts for Private Customers: We now support joint accounts for individual customers, meeting a core retail banking need and expanding Tuum’s out-of-the-box consumer functionality.
- Performance Improvements at Scale: Core engine enhancements have significantly increased throughput, enabling more simultaneous transactions, reservations, and events per account—This is critical for high-volume BaaS use cases, including vostro, master, and clearing accounts, as proven in deployments with LHV, Zenus, and Solidgate.
- Configurable Transaction Descriptions: Customers can now personalize how transactions appear on account statements—configuring labels for deposit payouts, interest repayments, periodic fees, and more using a lookup API and predefined metasymbols. This enhances transparency, clarity, and customer experience and satisfaction.
2. Elevating the Islamic Banking Experience
Islamic finance continues to expand across the Middle East, Southeast Asia, and parts of Europe—driven by rising demand for ethical, interest-free financial products. In H1, Tuum significantly expanded its Islamic banking offering, making it one of the few cloud-native core platforms capable of powering both fully Sharia-compliant banks and Islamic windows within conventional institutions.
- Islamic Deposit Accounts: Banks can now launch and manage Mudarabah, Wakalah, Wadiah, and Qard Hassan accounts—each with automated, configurable profit-sharing logic.
- Real-Time Profit Calculation & Distribution: Our advanced engine ensures accurate, transparent calculation of distributable profits in line with Sharia principles—providing customers with clarity and banks with confidence.
- Standalone Profit-Sharing Module: A modular component that can integrate with any core system to automate Mudarabah and Wakalah-based returns—ideal for banks offering Islamic products alongside conventional ones.
- Tawarruq-Based Financing with DDCAP Integration: Tuum now supports digitized execution of Murabaha contracts through seamless integration with DDCAP—enabling real-time trade validation, asset booking, and disbursement in full alignment with Sharia principles.
3. Expanding Payments and Regulatory Compliance
Throughout H1, we delivered critical updates to our payments module—addressing regulatory mandates, customer expectations, and operational efficiency across multi-entity environments.
- ComplyAdvantage Integration: We’ve integrated ComplyAdvantage into our customer screening process—enabling real-time risk assessment against sanctions, PEP lists, and adverse media.
- Inter-Group Payment Support: New payment types allow internal transfers between distinct legal entities using nostro/vostro structures—now with multi-currency logic supported across accounts and apps.
- ISO 20022 Messaging & Reconciliation Enhancements: We’ve enhanced our XML message structure for better automation, introduced new business application headers, and continue to improve nostro reconciliation within Central Link to reduce manual tracking of payment statuses.
- LHV Connect Enhancements: Deeper integration with LHV Connect to help ensure efficient, automated handling of inbound and outbound EMI flows—supporting our clients with real-time payment needs.
These updates ensure Tuum’s payment engine is ready not just for today’s compliance demands—but for tomorrow’s embedded, cross-entity, multi-currency banking models.
4. Modernizing Lending with Greater Flexibility and Control
In today’s lending environment, institutions need to launch tailored credit propositions—fast. In H1, Tuum delivered enhancements to support a broader spectrum of lending products, with deeper flexibility across repayment structures, pricing, and product types.
- Flexible Loan Repayment Scheduling: Our configuration framework allows banks to define variable payment frequencies and dynamic term structures—enabling tailored lending across consumer credit, SME loans, and Sharia-compliant financing with full control over repayment logic and servicing.
- Down Payment Support: Tuum now supports down payment configurations as part of the lending contract—crucial for asset-backed lending models, including Islamic financing frameworks, where up-front contributions are core to compliance and affordability models.
- UK Car Finance Enhancements: We’ve added logic to support early settlement calculations and shortfall accounting for regulated UK vehicle financing—making it easier for banks and lenders to stay compliant while offering consumer-friendly terms in auto finance.
5. Expanding Card Capabilities for Modern Issuing Models
As banks scale digital issuing across customer segments and geographies, Tuum has significantly expanded its cards module to offer greater pricing flexibility, operational control, and compliance support.
- Card-Level Pricing & Tiered Fee Logic: We now support tiered pricing configurations for different card types (e.g., Visa Classic vs. Visa Gold) linked to the same current account. This enables differentiated monetization based on cardholder profiles, with distinct pricing for primary and supplementary cards.
- Freely Definable Transaction Labels: New functionality allows banks to assign custom labels to card transactions—based on message fields such as network source, transaction type, or geography. These labels can be used for pricing, fraud detection, and authorization rules—opening the door to fine-grained transaction control and dynamic business logic.
- Enhanced Card Activity History: A full audit trail of card lifecycle events—such as changes to settings, limits, or pricing—is now available, with visibility into who made changes and when. Invalidated records and original values are also displayed to support troubleshooting and compliance reviews.
- Change of Servicing Account: Back-office teams can now reassign servicing accounts for active credit card contracts—responding to a key client request and simplifying account maintenance across customer journeys.
- OCT & MoneySend Compliance: Tuum now supports Mastercard MoneySend and Visa Original Credit Transactions (OCT), allowing real-time posting of funds to cardholder accounts during the authorization phase—crucial for instant payout use cases.
- Support for Apple Pay Launches & MDES Development: Enhancements aligned with issuer readiness for Apple Pay onboarding are now in testing, including feature parity with existing Google Pay support.
These updates reflect Tuum’s commitment to powering modern, compliant, and insight-driven card issuing—across both conventional and embedded banking models.
6. Platform & Experience Upgrades
Finally, we’ve made strong progress on usability, speed-to-market, and platform orchestration.
- Back-Office 2.0 Migration: Continued rollout of our new operational UX that improves usability across modules.
- Analytics & Reporting: Enhancements to dashboards and analytics tools give operations and compliance teams greater visibility in real time.
- Workflow Orchestration: Significant upgrades to our orchestration layer enabling customers to define, customize, and automate their own workflows, reducing reliance on vendors or IT teams for operational change. These enhancements streamline complex process automation, accelerate time-to-market for new products and services, and enable greater agility in adapting to regulatory or business requirements.
Looking Ahead to H2 2025
As we enter the second half of the year, Tuum remains focused on delivering against our five core product goals—continuing to evolve both retail and corporate banking functionality, building a seamlessly connected financial ecosystem, and investing in platform excellence to eliminate technical debt and increase delivery velocity.
We’re deepening support for Islamic banking, accelerating smart migration capabilities, and ensuring our platform empowers any institution—whether a traditional bank, EMI, fintech, or new digital entrant—to launch and scale modern financial services with confidence.
Want to explore how these latest enhancements can power your strategy?
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