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APIs · head to head

Flybits vs Tuum

Flybits logo

Flybits

APIs

Contextual personalisation and decisioning platform for financial institutions

From
On request
Rated
-
Full reviewWebsite
Tuum logo

Tuum

APIs

Modular core banking platform from Estonia, formerly branded Modularbank

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Flybits its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.; Tuum it is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • They diverge on capability: Flybits covers Contextual decisioning engine, Tuum covers Modular product structure.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Flybits and Tuum actually diverge.

Attributes where Flybits and Tuum differ
AttributeFlybitsTuum
PlatformsWeb, iOS, AndroidWeb, API

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Flybits

  • Contextual decisioning engine
  • Non-technical configuration
  • Agentic Banking capability
  • Customer data unification
  • Card-linked offers
  • Real-time insight delivery

Only in Tuum

  • Modular product structure
  • Low-code integration middleware
  • Cloud-agnostic deployment
  • Multi-currency real-time accounts
  • Cards and lending modules
  • Faster migration timeline

What people use each for

The jobs each tool is most often brought in to do.

Flybits

  • A bank wanting to move from generic segment-based marketing to individually contextual offers and messagesnot Tuum
  • A product team wanting to configure personalisation rules without needing engineering support for every changenot Tuum
  • A bank wanting card-linked contextual offers tied to transaction datanot Tuum
  • A financial institution exploring an agentic AI interaction layer across cards, loans and depositsnot Tuum

Tuum

  • A bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at oncenot Flybits
  • A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Flybits
  • An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Flybits
  • A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot Flybits

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Flybits

  • Its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
  • The newer Agentic Banking capability is recent enough that long-term reliability, accuracy and customer trust data at scale are still limited compared with its longer-established contextual decisioning engine.
  • Pricing is not published, requiring a licensing negotiation per institution.
  • As with Meniga, it is a white-label layer rather than a consumer-facing brand, making independent reputation and reliability harder for a prospective bank client to verify directly.
  • Expanding from a rules-based personalisation engine into agentic AI interaction is a significant scope and complexity increase, and a bank evaluating it today should confirm which capabilities are mature and in production versus newly launched.

Tuum

  • It is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • The 2022-era rebrand from Modularbank to Tuum means older funding records, case studies and press coverage appear under a different name, complicating due diligence for anyone unaware of the change.
  • Pricing is entirely unpublished, requiring a sales conversation to budget against competing composable core vendors.
  • Its geographic expansion into DACH and the Middle East is comparatively recent, so support depth and local regulatory expertise in those markets are less proven than in its home Baltic and Nordic base.
  • As with any core banking platform, choosing Tuum is a multi-year infrastructure commitment; switching cores after implementation is a major undertaking regardless of how modular the initial adoption was.

Pricing, plan by plan

Flybits

On request
  • Flybits$undefined/year
    • Pricing not published, licensed per financial institution deployment

Tuum

On request
  • Tuum$undefined/year
    • Subscription and module-based pricing, not published
    • Custom quote required via sales

Which should you pick?

Choose Flybits if

  • You need contextual decisioning engine.
  • You work on Web, iOS, Android.
  • You also want non-technical configuration.
Flybits review

Choose Tuum if

  • You need modular product structure.
  • You work on Web, API.
  • You also want low-code integration middleware.
Tuum review

Questions people ask

Is Flybits or Tuum better?
Neither clearly leads. Flybits starts at On request and Tuum at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Flybits or Tuum?
Flybits starts at On request and Tuum at On request.
Does Flybits or Tuum run on more platforms?
Flybits runs on Web, iOS, Android. Tuum runs on Web, API.
What is Flybits best used for?
Flybits is most often used for a bank wanting to move from generic segment-based marketing to individually contextual offers and messages, a product team wanting to configure personalisation rules without needing engineering support for every change, a bank wanting card-linked contextual offers tied to transaction data, a financial institution exploring an agentic ai interaction layer across cards, loans and deposits. Of those, a bank wanting to move from generic segment-based marketing to individually contextual offers and messages and a product team wanting to configure personalisation rules without needing engineering support for every change are not what Tuum is typically brought in for.
What can Flybits do that Tuum cannot?
Flybits covers Contextual decisioning engine, Non-technical configuration, Agentic Banking capability, Customer data unification. Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts.

Answered from the vendors’ own pages

Flybits: Does Flybits require engineering support to run campaigns?

No, it is designed so marketing and product teams can configure personalisation rules directly.

Tuum: Is Tuum the same company as Modularbank?

Yes, Modularbank rebranded to Tuum; it is the same company and platform.

Flybits: What is Agentic Banking?

A newer Flybits capability introducing AI agents as an interaction layer unifying cards, loans and deposits into conversational banking experiences.

Tuum: Where is it strongest geographically?

Its base is Estonia and the Nordic and Baltic region, with newer expansion into DACH and the Middle East.

Flybits: Is pricing published?

No, it is licensed per financial institution and requires a quote.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

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