← State of Embedded Finance 2026

Talenoms Accounting Software

Can a decades-old Nordic accounting firm become the financial OS for European SMEs by layering embedded banking, payments, and card products onto its automation-first accounting platform?

Founded1972
HQFinland (offices in Finland, Sweden, Spain, Italy)
IndustryVertical SaaS / Accounting
The story

Founded in 1972 as a traditional Finnish accounting firm, Talenom evolved into a digital-first, hybrid accounting and financial services platform targeting SMEs. The company developed its own cloud-based software (Talenom Online) to automate invoice recognition, ledger entries, and bank reconciliation, while expanding geographically into Sweden, Spain, and Italy by exporting its Finnish automation model. The embedded finance layer — including payment and card services — has been added to deepen the platform's value proposition beyond pure accounting.

Last 12 months
2025
Product timeline
1972
Founded in Finland as an accounting firm.· pivot
2022
Operated 74 locations with 1,336 employees and expanded into Spain, Sweden, and Italy.· pivot
2025
Estimated revenue nears 140 million euros; serves over 30,000 SME clients across Northern and Southern Europe.· pivot
2025
Launched card services in Finland powered by Enfuce (card issuing).· card
The stack
Card issuing
Enfuce
Accounting gap: none