The disruption of the financial industry has come in waves. First there was the Fintech wave, where those taking the pulse of the market were worried that banks and other financial institutions would die by a thousand cuts as a myriad of fintechs took nibbles at their marketshare. Then there was the Big Tech wave, where Google, Facebook Amazon and Apple appeared to be readying themselves for an offensive play with their sleek customer experiences, deep pockets, massive user bases and superior technology capabilities. And then came the technology enablers who equipped financial institutions with spanking brand new cloud technology, able to sidestep banks clunky legacy and enable incumbents and new market entrants to develop fast, customer centric new services. We had the pleasure of speaking to Vilve Vene, a uniquely experienced financial services executive turned entrepreneur and Co-founder of Tuum. Vilve has a remarkable background and track record in building banking technology from scratch as one of the main technologists behind no less than 15 banking platforms deployed in Banks across the region. I this insightful conversation with Vilve we get to hear how by combining deep financial services expertise and technology capabilities, Vilve and her co-founders developed a state of the art, modular API first banking platform, able to adapt to complex use cases and functional requirements of everyday banking. Listen to Vilve’s priceless insights on the future of banking, the trends the most excite her and her vision on building seamless backend operations so that banks can focus on their key asset, their customers. We are sure you’ll be blown away by her vast knowledge and experience.