Tuum, a next-generation core banking provider, has renewed its core banking software agreement with Fiinu Plc, a UK-based fintech and creator of the Plugin Overdraft®. This strategic renewal supports Fiinu’s white-label expansion, leveraging Open Banking to drive innovative credit solutions at scale.
Building on a successful past deployment, this partnership aligns with Fiinu’s growth strategy, enabling seamless integration of its Plugin Overdraft® into third-party banking environments. With Tuum’s cloud-native, API-first infrastructure, Fiinu can rapidly scale its offering while maintaining a robust and high-performance banking core.
Supporting Fiinu’s White-Label Growth Strategy
The renewed agreement enables Fiinu to onboard multiple institutional partners under its white-label model, ensuring a streamlined and efficient setup. Tuum’s flexible architecture provides Fiinu with the scalability needed to extend its Plugin Overdraft® services without complex reconfigurations.
Rivo Uibo, Co-founder and Chief Business Officer at Tuum, highlighted the importance of this collaboration:
“Fiinu’s approach to unbundled overdrafts directly addresses a critical market need. Their Plugin Overdraft® platform perfectly aligns with Tuum’s modular and API-driven banking core, designed for rapid deployment and seamless scalability. We’re excited to continue supporting their mission to enhance access to credit.”
Dr. Marko Sjoblom, CEO of Fiinu, emphasized the value of Tuum’s platform in accelerating their growth:
“Tuum has been a highly collaborative partner, and their platform’s flexibility allows us to pick up where we left off. This renewal significantly shortens our go-to-market timeline and ensures we can scale our white-label solution with confidence.”
Accelerating Implementation and Market Readiness
Fiinu will benefit from a pre-configured Tuum environment, originally implemented during its bank mobilisation phase. This allows Fiinu to resume development immediately, reducing time-to-market and minimizing onboarding challenges for new financial partners.
Additionally, this partnership strengthens Fiinu’s market entry alongside a regulated UK banking partner, ensuring full compliance while delivering innovative credit products under a scalable white-label model.
Driving Fintech Innovation with Cloud-Native Banking
This collaboration showcases how modern microservices-based core banking platforms empower fintechs to bring new financial products to market faster while reducing operational complexity. With modularity, open APIs, and cloud-native scalability, Tuum continues to support fintech innovation, making financial services more accessible and competitive.
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