Prisma has officially gone live on Tuum’s next generation core banking platform, marking a major milestone in its shift toward a fully SaaS driven financial infrastructure. The transition reflects a broader trend across Europe’s fintech ecosystem, where regulated payment institutions are rapidly replacing legacy systems to stay competitive, compliant, and scalable.
Licensed by the Bank of Spain, Prisma operates in a highly regulated environment, offering payment and account services to businesses that manage complex, high volume transaction flows. Its move to Tuum’s modular platform is designed to support both its current operational needs and its long term global expansion strategy.
At the core of this transformation is Tuum’s flexible architecture, which allows Prisma to deploy only the components it needs while maintaining the ability to scale quickly. The company has primarily adopted the Accounts and Payments modules, specifically tailored for Electronic Money Institutions, Payment Service Providers, and fintech companies. This modular approach gives Prisma the agility to respond to market demands and regulatory changes without overhauling its entire system.
One of the most impactful upgrades comes from Prisma’s direct integrations with global and regional payment networks, including SWIFT, SEPA, and CentroLINK. By connecting directly to these systems, Prisma can now process payments without relying on third party middleware, significantly reducing operational complexity, latency, and costs. This shift not only improves efficiency but also enhances reliability in handling cross border and domestic transactions.
Compliance remains a central pillar of the upgrade. Prisma has integrated anti money laundering capabilities through Hawk, strengthening its ability to monitor and prevent financial crime. This is particularly important as European regulations continue to evolve, with frameworks such as the Digital Operational Resilience Act and international International Organization for Standardization standards placing increasing pressure on financial institutions to maintain robust, transparent systems.
Prisma’s leadership has framed the move as a strategic necessity rather than a technical upgrade. Chief Executive Officer Jose Carbajosa emphasized that modernizing core infrastructure was essential to support growth and manage increasingly complex payment flows. The ability to adapt quickly to regulatory requirements, he noted, is now a defining factor in the success of payment institutions operating across multiple jurisdictions.
From Tuum’s perspective, the deployment highlights the growing demand for integrated, cloud native banking solutions across Europe. Chief Revenue Officer Miljan Stamenkovic pointed out that Prisma’s transition replaces a fragmented legacy setup with a unified platform capable of supporting end to end payment operations. This kind of transformation is becoming critical as fintechs seek to streamline their technology stacks while maintaining compliance and performance.
Beyond the technical benefits, the move is expected to have a direct impact on Prisma’s business model. By eliminating the costs and inefficiencies associated with legacy infrastructure, the company aims to improve its unit economics and reallocate resources toward innovation and customer value. In a market where margins are increasingly tied to operational efficiency, such improvements could prove decisive.
The partnership also reinforces Tuum’s positioning as a leading core banking provider for payment institutions navigating digital transformation. As more fintechs and regulated entities look for scalable, compliant, and integration ready solutions, platforms like Tuum are becoming central to the next phase of financial infrastructure development.
For Prisma, the transition is more than a system upgrade. It represents a foundational shift in how the company operates, scales, and competes in a fast evolving payments landscape where speed, compliance, and flexibility are no longer optional but essential.
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