It’s Time to Build! Webcast: Episode 3 Feat. LHV UK & Holvi

Coinciding with the release of our whitepaper, Tuum and Ross Republic have launched the “It’s Time to Build!’ webcast, a three-part series exploring some of the key findings in our report, featuring speakers from some of the most exciting and innovative players in the financial services industry.

In episode two, we invited Kristian Luoma of Utopia Music, which is revolutionising the way streams are monetised to deliver “fair pay for every play”, to discuss new technologies in finance and the business models they enable.

In the third and final episode, moderator Adrian Klee of Ross Republic is joined by Andres Kitter, Head of LHV UK, Tuomas Toivonen, CEO and co-founder of Holvi, and Rivo Uibo, CBO and co-founder of Tuum.

This episode explores the decision processes behind technology use and procurement at both Holvi and LHV UK, how making the right choices has set these companies apart from the competition, and how Tuum supports its clients as the backbone of core banking operations.

Listen to the first episode:


Andres Kitter, LHV UK: a full-service Banking Services provider, granting access to payments infrastructure to a variety of companies, from fintech unicorns and digital asset companies to established financial institutions with a global reach. 

Tuomas Toivonen, Holvi: the financial home for entrepreneurs and small businesses. Holvi offers a business account and Holvi Business Mastercard®, invoicing and bookkeeping tools all in one place.

Rivo Uibo, Tuum: a next-generation core banking technology provider. Its API-first, cloud-agnostic and highly configurable banking platform covers all retail and business banking processes, allowing banks, fintech startups or even non-financial companies to easily roll out customer-centric financial products and services. 

Adrian Klee, Ross Republic (Moderator): a specialised consultancy that accelerates digital transformation at B2B and financial services providers, from building digital capabilities and cultures to creating new revenue streams and innovative banking services.


  • 00:00: Intro – Adrian Klee, Partner, Ross Republic
  • 05:33: Banks’ Evolving Technology Stacks: Effects on Vendor Procurement
  • 08:33: How Has Strategic Vendor Sourcing Developed?
  • 17:31: Vendor Landscape Overview
  • 28:00: LHV UK: Considerations when Choosing Vendor
  • 29:52: Holvi: Considerations when Choosing Vendor
  • 32:37: How Tuum Supports Clients
  • 39:04: Customisation vs Configuration & Avoiding Vendor Lock-In
  • 41:52: Core Banking Vendor Landscape: Long-Term Outlook
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