The core of banking is broken, and duct-taping legacy systems won’t fix it.This week on Couchonomics with Arjun, I’m joined by Myles Bertrand, CEO of Tuum, the modular core banking platform built in Estonia and now scaling across Europe and the GCC.Tuum isn’t selling digital lipstick. They’re rebuilding the real plumbing of modern banking — one composable, cloud-native layer at a time.💡 In this episode:- Why full core replacement is a myth — and composability is the real unlock- How to modernize without breaking everything (or everyone)- What it takes to scale infra platforms into the GCC- Where AI fits in — and where it doesn’t- Why institutional banking might be the biggest opportunity for transformationIf you’re in banking, infra, SaaS, or scaling into MENA, this episode is required listening.#couchonomicswitharjun  #CoreBanking #BankingInfrastructure #DigitalBanking #ComposableInfra #Fintech #MENA #GCCStartups #AIinBanking #Tuum #FutureOfFinance #BankTech #SaaS #LeadershipCouchonomics with Arjun Season 04 is brought to you by our partners:Adyen https://www.adyen.com/Thunes https://thunes.com/Mastercard https://mastercard.com/E& https://www.eand.com/Digit9 https://www.digitnine.com/SC Ventures https://scventures.io/Hala https://hala.com/Find us on our social media platforms:Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/Couchonomics LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/Instagram https://www.instagram.com/couchonomics/Twitter https://twitter.com/Arjun_Vir_Singh?s=20TikTok https://www.tiktok.com/@couchonomicsSubscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E00:00 Episode Highlights01:59 Myles' Journey to Estonia02:58 The Story of TOMB05:40 Challenges and Trends in Banking10:18 Cloud and Banking Infrastructure15:17 Complexity in Banking Systems20:03 Regulatory and Cultural Challenges25:38 Competitive Landscape in Core Banking26:41 Banking as a Service Evolution27:45 Challenges and Opportunities in the Market29:46 The Role of Technology Providers31:20 Core Banking and Integration Strategies40:03 AI in Banking: Potential and Challenges45:57 Cultural Shifts and Technological Adoption49:12 Regional Focus and Future Plans51:25 Conclusion and Final ThoughtsOur website 👉 https://bit.ly/3jk7UH0Find us on our social media platforms: Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/ CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/ Instagram https://www.instagram.com/couchonomics/ Twitter https://twitter.com/Arjun_Vir_Singh?s=20 TikTok https://www.tiktok.com/@couchonomics Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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