LHV Bank and Tuum Reveal Blueprint for Seamless Core Banking Migration
By Ali Paterson · 27 July 2026
In brief: LHV Bank has successfully migrated its UK core banking operations to Tuum's cloud-native platform, utilizing a 'smart migration' blueprint to ensure zero downtime and enhanced scalability.
| Primary Partner | Tuum |
|---|---|
| Subject Bank | LHV Bank |
| Migration Scope | UK SME lending and payments |
Quick Summary
LHV Bank successfully executed a core banking migration using Tuum’s cloud-native platform to modernize its UK operations. By following a smart migration blueprint, the bank transitioned complex loan portfolios and payment systems without downtime, enabling rapid product innovation and scalable growth for its SME lending business.
How Does the Smart Migration Blueprint Solve Legacy Banking Issues?
The core banking migration process addresses the primary pain point for established banks: the risk of systemic downtime during upgrades. LHV Bank utilized Tuum’s modular architecture to decouple services, allowing for a phased transition rather than a high-risk "big bang" approach. This strategy ensured that critical payment flows and customer data remained accessible throughout the transition.
Elimination of legacy technical debt.
Seamless data integrity maintenance during transfer.
Support for multi-currency accounts and real-time processing.
What Results Has Tuum’s Technology Delivered for LHV Bank?
By implementing Tuum’s platform, LHV Bank achieved a significant reduction in time-to-market for new financial products. The bank can now deploy automated lending workflows and integrated API services for its fintech clients with enhanced operational efficiency. The migration has specifically empowered LHV to handle increased transaction volumes within the UK’s competitive SME sector.
Zero downtime during the migration window.
Full cloud-native scalability for UK operations.
Improved regulatory reporting accuracy via centralized data.
Why is Cloud-Native Infrastructure Critical for Modern Banking?
LHV Bank’s shift to a cloud-native core allows for elastic scaling, meaning the bank only pays for the computing power it uses while remaining ready for sudden spikes in digital transaction demand. This flexibility is a cornerstone of the core banking migration strategy, moving away from rigid on-premise servers toward a future-proof ecosystem that supports open banking and third-party integrations.
FF NEWS TAKE:
This core banking migration isn't just a technical upgrade; it’s a strategic statement. LHV Bank and Tuum have proven that the "fear of migration" is no longer a valid excuse for sticking with legacy tech. By providing a repeatable blueprint, Tuum is positioning itself as the go-to partner for mid-tier banks looking to shed their old skin without losing their pulse. This moves the needle by lowering the perceived risk of digital transformation.
Read the full case study: From Infrastructure to Full-Service Bank.
Frequently asked questions
What is the LHV Bank smart migration blueprint?
The smart migration blueprint is a strategic framework developed by LHV Bank and Tuum to move legacy banking operations to a cloud-native core. It focuses on a phased, modular approach that eliminates the risks of service interruptions and data loss during the transition of complex loan portfolios.
How does Tuum support core banking migration?
Tuum supports core banking migration through its API-first, modular platform that allows banks to replace legacy components incrementally. This architecture enables financial institutions like LHV Bank to modernize their infrastructure while maintaining continuous service for payments and lending operations.
What are the benefits of cloud-native core banking for LHV?
Cloud-native core banking provides LHV Bank with superior scalability, reduced operational costs, and faster time-to-market for new products. It allows the bank to handle high transaction volumes and integrate easily with fintech partners via APIs, which is essential for its UK SME lending business.