Tuum Partner
Modular banking infrastructure built to evolve.
Tuum replaces monolithic core banking with composable modules. Payments, cards, lending, and deposits each independently deployable. Kitsilano implements Tuum for African financial institutions ready to move beyond legacy infrastructure.
Tuum Partner
Modular core banking, payments, cards, and lending.
Why Tuum
The end of one-size-fits-all core banking.
Legacy core banking vendors bundle everything into a single system. You take the whole platform or nothing. Tuum breaks this model. Each banking function is a separate module with its own API, deployed independently and updated without touching adjacent systems. For institutions in Kenya, Uganda, Tanzania and Rwanda looking to launch digital channels fast while managing risk carefully, Tuum's modular approach allows incremental deployment: start with payments and deposits, layer in lending and cards as the business scales.
4 weeks
To launch first Tuum module
Faster than any traditional core system
99.99%
Uptime SLA on cloud-native infrastructure
Zero planned maintenance windows
API-first
Every banking function accessible via REST
No monolithic lock-in, every module independently deployable
Implementation practice
Four areas of Tuum implementation expertise.
Modular Core Banking
Modular deployment
- Payments, cards, lending, and deposits as separate modules
- Each module operates independently with its own API
- Activate additional capability as your product portfolio grows
- No big-bang replacement, no disruption to existing operations
Payments and Cards
Domestic and cross-border
- Domestic transfers, SWIFT, SEPA, and real-time payment schemes
- Virtual and physical card issuing on Mastercard and Visa
- Configurable spending controls and 3DS authentication
- Mobile money integration for M-Pesa and Airtel
Lending and Credit
Consumer, SME, revolving
- Consumer credit, SME loans, overdrafts, and revolving facilities
- Credit decisioning and bureau data integration
- Full loan lifecycle from origination through collections
- Configured to local credit market requirements
Legacy Migration
Safe legacy core migration
- Structured migration from Oracle, Temenos, or Flexcube
- Parallel-run periods with full data validation
- Phased cutover strategy to eliminate go-live risk
- Hypercare support in the weeks after cutover
Platform modules
Every banking function as an independent service.
Accounts and Deposits
- Current, savings, and fixed deposit accounts
- Multi-currency with automated interest calculation
- Notice accounts and term deposits supported
- Real-time balance and transaction visibility
Payments Infrastructure
- RTGS, KEPSS, and mobile money built in
- Instant domestic and regional transfers
- SWIFT and SEPA for cross-border payments
- ISO 20022 messaging standard supported
Card Management
- Debit and credit card lifecycle management
- Connected to Mastercard and Visa networks
- Spending controls and limits configurable
- 3DS authentication and fraud controls
Open Banking APIs
- PSD2-aligned REST APIs for third-party integration
- Embedded finance use cases enabled
- Fintech partner connectivity built in
- API gateway with rate limiting and monitoring
GL and ERP Integration
- Real-time accounting entries per transaction
- Push to SAP, Oracle Financials, or any ERP
- Reconciliation reports generated automatically
- Chart of accounts mapping configurable
Regulatory Reporting
- Statutory returns aligned to local regulators
- No manual data extraction required
- Configurable report templates per jurisdiction
- Audit trail maintained throughout
Get started
Modern banking infrastructure, one module at a time.
Talk to our banking technology team about implementing Tuum for your financial institution.