LHV Bank and Tuum on Core Banking for Scalable Growth
By Ali Paterson · 3 August 2026
In brief: Tuum and LHV are accelerating digital transformation through modern core banking, using modular, API-first infrastructure to replace legacy systems and enable rapid, scalable growth for financial institutions.
| Primary Partner | LHV |
|---|---|
| Technology Type | Cloud-native Core Banking |
| Architecture | Modular API-first |
Quick Summary
Tuum and LHV are redefining modern core banking by replacing rigid legacy systems with modular, API-first infrastructure. This partnership enables financial institutions to achieve scalable growth and rapid product deployment, allowing banks to launch new services in weeks while significantly reducing long-term technical debt.
How Does Tuum Solve Core Banking Complexity?
Tuum provides a cloud-native platform designed to dismantle the complexities of traditional banking infrastructure. By offering a modular architecture, Tuum allows banks like LHV to select specific modules - such as payments, lending, or accounts - without the need for a total system overhaul. This API-first approach ensures that new features can be integrated seamlessly into existing ecosystems.
- Rapid market entry for new financial products.
- Significant reduction in operational overhead.
- Enhanced system reliability through cloud-native design.
What Results Has LHV Delivered Through This Partnership?
LHV has utilised Tuum’s technology to bolster its position as a leading banking services provider for the global fintech industry. The integration has facilitated seamless international expansion, allowing LHV to serve a diverse range of clients with high-volume processing needs. By focusing on automated workflows, LHV has improved its internal efficiency and customer response times.
- Support for high-volume transactions across borders.
- Improved developer experience via robust APIs.
- Scalable infrastructure that grows with client demand.
FF NEWS TAKE:
The collaboration between Tuum and LHV clearly moves the needle by proving that modern core banking is no longer a luxury but a survival requirement. As legacy banks struggle with agility, this partnership demonstrates that a modular architecture is the only way to maintain a competitive edge in a 24/7 digital economy. Tuum is successfully positioning itself as the engine behind the next generation of Tier-1 banking transformations.
Frequently asked questions
What is modern core banking?
Modern core banking refers to cloud-native, API-first financial infrastructure that replaces traditional monolithic legacy systems. It allows banks to use modular components to launch products faster and scale operations more efficiently than old-school hardware-based systems.
How does Tuum help banks scale?
Tuum helps banks scale by providing a modular architecture where institutions can add or update specific financial services without disrupting the entire system. This flexibility reduces technical debt and allows for high-volume transaction processing in the cloud.
Why did LHV partner with Tuum?
LHV partnered with Tuum to enhance its agility and support its growth as a provider for fintechs. By using Tuum’s platform, LHV can offer more robust, automated banking services and expand its international footprint with greater speed.