Provider profile · 2026 edition
Tuum review 2026: scores, pricing and alternatives.
A modular core banking platform covering accounts, payments, lending and cards, with an Islamic banking suite.
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A modular core banking platform covering accounts, payments, lending and cards, with an Islamic banking suite.
Tuum scores 2.3 out of 5 (46 out of 100) in the Buckingham Intelligence Core Banking and Ledgers Index 2026 and ranks 9 of 12. It is strongest for banks wanting cloud or on-premise deployment with a stated launch time, and its best criterion is product coverage at 4 out of 5. Not published or not stated on the pages read: pricing, product coverage, deployment choice, integration, security and regulated clients and proven scale.
Scores from the Core Banking and Ledgers Index 2026.
No award in the Core Banking and Ledgers Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For banks and building societies | 54 | 7 of 12 |
| For E-money and payment firms | 44 | 9 of 12 |
| For fintechs building their own products | 40 | 9 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Banks wanting cloud or on-premise deployment with a stated launch time.
What Tuum publishes on its own pages, read on 26 October 2026.
A modular core banking platform covering accounts, payments, lending and cards, with an Islamic banking suite. It publishes the widest set of hosting options after Thought Machine and an average time to go live. Prices and certifications are not published on the pages read.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Core banking, payments, lending, cards, accounts, Islamic Banking Suite, Tuum Orchestration Platform and nostro account management. |
| Pricing | Not published on the pages read. |
| Deployment | Public cloud such as AWS, private cloud, on-premises and hybrid. |
| Integration | States "less than 7 months to go live" on average, with new country instances in days. |
| Security and clients | ISO 27001 and SOC 2 not mentioned on the FAQ page. Named clients: LHV Bank, Januar, OP Financial Group. |
| Scale | Not published on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: tuum.com/frequently-asked-questions.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Core Banking and Ledgers Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Thought Machine | 3.5 | 1 of 12 | Large banks replacing a legacy core on the cloud of their choice |
| SDK.finance | 3.0 | 2 of 12 | E-money firms and fintechs wanting a published price |
| Formance | 3.0 | 3 of 12 | Fintech and crypto firms wanting a ledger they can host themselves |
| 10x Banking | 2.6 | 4 of 12 | Banks that need published throughput and uptime figures |
| Pismo | 2.5 | 5 of 12 | Banks and large firms combining cards, lending and accounts |
| Modern Treasury | 2.5 | 6 of 12 | US fintechs wanting a ledger joined to payment rails |
| Mambu | 2.5 | 7 of 12 | Lenders and deposit-takers wanting audited SaaS |
| Temenos | 2.5 | 8 of 12 | Banks in many countries wanting packaged software or SaaS |
| Zeta | 2.0 | 10 of 12 | Banks launching card programmes |
| Finxact | 2.0 | 11 of 12 | US banks wanting an API-first core with a sandbox |
| Episode Six | 1.3 | 12 of 12 | Issuers wanting one ledger for cards, credit and deposits |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Tuum is compared with its alternatives in the table above.
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