OP Financial Group Transforms Lending

From legacy limitations to digital acceleration—powered by Tuum’s next-gen core platform

Facing rising competitive pressure and increasing demands for speed and flexibility, OP Financial Group (OPFG) launched a strategic renewal of its unsecured consumer lending services. Legacy systems were limiting its ability to scale, respond to market demands, and deliver seamless digital experiences.

To overcome these barriers, OPFG partnered with Tuum—selecting our cloud-native core platform to rebuild its lending infrastructure and drive end-to-end transformation. The result? Faster time to market, stronger customer experiences, and award-winning innovation.

Why Tuum?

OP Financial Group selected Tuum for our unmatched ability to support transformation at scale:

• Cloud-native by design
  Built for speed, agility, and lower total cost of ownership—scalable for future growth.
• Modular microservices architecture
  A modern, API-first approach enabling integration across front, middle, and back-office systems.
• Business-led configurability
  Highly configurable without writing code—empowering business users to launch and update products independently.
• Seamless ecosystem integration
  Open APIs enabled rapid connections with OPFG’s wider systems and third-party platforms.

Achievements Unlocked

In partnership with Tuum, OP Financial Group delivered measurable results:

• 10% increase in loan sales
• 5-minute digital onboarding from application to disbursement
• Omnichannel experience with advanced self-service and personalization
• Award-winning success — Winner of the 2024 Celent Model Bank Award for Core Transformation