Vilve Vene is the CEO and Co-Founder of Tuum, formerly Modularbank, the Estonian fintech offering a next-generation core banking platform. Vene started creating innovative financial technology well before the term “fintech” even became a tangible concept. For more than 25 years, she has been digitising banks and setting up financial technology companies. She is one of the bright minds behind the Estonian e-tax system and was recently recognised as “Highly Commended” Woman in Tech at Banking Tech Awards 2020.