“Can a cloud accounting platform become the full financial OS for Norwegian SMBs by embedding banking, lending, payroll, and AI automation directly into the accounting workflow?”
Founded in 2002 as a cloud-based time-registration and project-management tool for Norwegian SMBs, Tripletex progressively added accounting, invoicing, payroll, and ERP capabilities to become Norway's most-used cloud accounting platform with over 160,000 businesses. Acquired by Visma (likely around 2019), the product shifted from standalone software to a financial OS for Norwegian SMBs, embedding bank connectivity via ZTL, lending via Aprila Bank, and AI-driven automation. The embedded finance angle deepened as Tripletex moved from being a bookkeeping tool that connects to banks, to a platform where payments, lending, and bank reconciliation are native capabilities.
Tripletex's lending and capital products are provided by Aprila Bank.
Tripletex uses ZTL for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 2 layers in Tripletex's stack: Lending (Aprila Bank and SMB financing via Aprila Bank); FX & payouts (ZTL).
Tripletex was founded by Are Meisfjord, Morten Ekanger and Lise Ekanger and is founded in 2002, headquartered in Oslo, Norway.
Get a read on where your own stack stands against Tripletex and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.