Vilve Vene is the Co-founder and former CEO of Tuum, a next-gen core banking technology provider. She is an Estonian financial IT pioneer with 30 years of experience in the banking industry: She has built a digital bank from scratch in the 90s (Hansabank, later acquired by Swedbank), digitally transformed more than 15 banks and financial institutions in the Nordics with her first technology company Icefire (sold to Europe’s largest unicorn Checkout.com in 2021) and helped build up the famous Estonian digital nation, being one of the masterminds behind the fully digital e-tax system. In 2019, she put her experience in building core banking systems into founding Tuum (then, Modularbank)