Modular Islamic banking solutions
Tuum’s modular Islamic banking solutions offer financial institutions a secure and sharia-compliant path to future-ready finance. Our cloud-based, AAOIFI-compliant platform deploys on local hyperscalers – including Google Cloud, AWS, Azure, and OCI – to meet GCC regulatory requirements. It’s tested to perform, with a 100% implementation success rate. Built in partnership with DDCAP, it’s suitable for both full Islamic banks and conventional banks adding Islamic windows.
Why Islamic Banking Needs a New Approach
Tuum’s Islamic banking solution equips banks to meet these demands and stay ahead. Islamic banking is growing fast, driven by:
Demographic Shifts
Gen Z and Alpha demand digital, ethical finance. Banks need future-ready tech to keep pace.
Inclusion & Digitalization
Scaling Islamic finance across markets calls for flexible, API-first infrastructure.
Regulatory Evolution
Increasingly complex rules require automated, transparent compliance at scale.
Made for Growth
Advanced
Cloud-Based
Islamic Banking
Whether you’re a full Islamic bank or expanding into Sharia-compliant offerings, Tuum makes it seamless.
Launch and scale Islamic products with a modular, AAOIFI-compliant core—deployable via local hyperscalers like Google Cloud, AWS, OCI, Azure, or private cloud to meet regulatory needs.
From accounts and deposits to profit-sharing and asset-backed financing, Tuum gives you the agility, automation, and compliance to go to market with confidence.
Modular Islamic Banking
Built on ethical principles like profit-sharing and asset-backed financing, Tuum enables banks to offer Sharia-compliant services with full transparency and efficiency.
Our API-first, modular platform supports both dedicated Islamic banking and Islamic windows within conventional models.
Compliant, Ethical, Scalable
Everything You Need to Launch & Scale Islamic Banking
Islamic Deposit Accounts
Provide customers with Mudarabah, Wakalah, Wadiah, and Qard Hassan deposit accounts, with automated, transparent profit-sharing calculations.
Islamic Lending & Financing
Offer Tawarruq-based consumer and business financing with real asset backing and Sharia compliance.
Islamic BNPL & Consumer Finance
Introduce Sharia-compliant Buy Now, Pay Later (BNPL) services, aligned with Islamic ethical finance.
Automated Profit Calculation & Distribution
Ensure accurate, real-time profit-sharing across deposit accounts, reducing manual effort and compliance risk.
Embedded Sharia Compliance
Transactions align with AAOIFI and IFSB standards, with automated compliance checks and audit trails.
Independent Profit-Sharing Module
A first-of-its-kind module that can be integrated into other core banking platforms or used natively within Tuum.
Seamless Integration & Scalability
Easily integrate with existing banking systems or launch Islamic banking as a standalone service that grows with your business.
Ethical, Compliant & Future-Ready Islamic Banking
Tuum removes legacy limitations with a modular, API-first platform built for Islamic finance. Banks and fintechs can launch Sharia-compliant products quickly, with full transparency and control.
Faster Launch, Seamless Scale
Deploy fast with a modular core that integrates or runs standalone.
Ethical by Design
Deliver asset-backed, interest-free, risk-sharing finance.
Automated Profit & Financing
Digitise profit-sharing and Tawarruq execution with ease.
Compliance, Simplified
Automated Sharia checks, audit trails, and reporting—built-in.
Future-Ready Expansion
Access a growing roadmap of Sharia-compliant products, including Islamic debit cards and Ujrah-and-Tawarruq-based credit cards.
Modern Islamic Banking, Simplified
Support accounts, deposits, asset-backed financing, and risk-sharing—on a unified platform that handles both Islamic and conventional banking.
Run on your preferred cloud—Google Cloud, AWS, OCI, Azure—or choose Tuum’s fully managed SaaS. Scale effortlessly with 99.99% uptime and up to 86M daily transactions.
Connect to payment rails, KYC, compliance tools and more through Tuum’s orchestration-ready APIs—launching new Islamic finance products fast and efficiently.
Flexible, Compliant & Scalable Islamic Banking
Tuum’s modular platform enables banks and fintechs to launch Sharia-compliant products with ease, automate compliance, and scale fast—without infrastructure headaches. Deploy on local hyperscalers or private cloud, with built-in security and regulatory alignment.
Built for the Middle East & Beyond
With a growing footprint across the Middle East, Africa, and Asia, Tuum supports Islamic finance expansion aligned to local regulations and customer needs.
A Thriving Islamic Banking Ecosystem
Tuum enables financial institutions to seamlessly connect with a growing network of partners,
ensuring smooth operations across the Islamic finance landscape.
Ready to Launch Your
Islamic Banking Products?
Take the first step towards innovative Islamic banking solutions tailored for your institution’s needs.
Have questions? See our FAQ