Tieto – a trusted partner for reliable e-invoicing across the Nordic and Baltic region
Our services are helping If to manage complex e-invoicing regulations across markets by simplifying compliance, ensuring business continuity, and adapting to country-specific requirements.
Lead Product Manager
Supporting complex invoicing across multiple markets
For organizations operating across several countries, managing invoicing processes is rarely simple. Different regulations, formats, and compliance requirements create significant complexity. To operate efficiently, companies need not only the right technology but also a partner with deep expertise in financial messaging and regulatory requirements.
If is the largest insurance company in the Nordic region, providing insurance solutions for both individuals and businesses. The company offers services such as property, vehicle and personal insurance, helping customers manage risks and recover quickly when unexpected events occur.
Tieto and If have built a long-term partnership around Tieto’s BIX e-Invoicing services, supporting If’s purchase-to-pay and order-to-cash processes. The services include supplier and sales invoicing, direct bank connections, and the Insurance Hub for the Finnish market, enabling efficient invoicing operations across multiple markets.
The challenge: Managing complexity across markets
The service provider needs to understand the DNA of invoices. It may look simple, but it’s not — there is a lot of complexity behind it, says Annika von Schoultz, Head of Nordic Cash Management at If.

With operations across several Nordic and European markets, If must navigate different regulations, technical standards, and compliance requirements. At the same time, new EU regulations are accelerating the shift toward mandatory e-invoicing and reporting.
To manage this complexity, If needed a partner that understands both the technology and the regulatory landscape — and that can support them as requirements continue to evolve. Equally important is having dedicated contact persons and clear communication channels to quickly resolve issues and receive expert guidance.
The solution: A Nordic partner with deep expertise
Through Tieto’s BIX e-Invoicing services, If gains access to reliable invoicing infrastructure combined with deep expertise in financial messaging across the Nordic and European markets.
Tieto supports If’s invoicing processes across multiple countries while ensuring compliance with local regulations and technical standards. Just as importantly, Tieto acts as a trusted advisor in discussions about upcoming regulatory changes and strategic development of invoicing processes.
Tieto is a partner that supports us in change as Europe is moving towards mandatory e-invoicing and reporting,” says Annika von Schoultz, Head of Nordic Cash Management at If.
The result: A trusted long-term partnership
For If, the collaboration goes beyond technology. The partnership is built on trust, expertise, and ongoing support from a Nordic partner that understands their business.
If values Tieto as:
- A reliable Nordic partner with strong regional expertise
- A provider with deep knowledge of invoicing regulations across Europe
- A team that offers dedicated support and guidance
- A strategic sparring partner in discussions about future changes
With Tieto as a partner, If can manage complex invoicing processes across multiple markets with confidence, knowing they have the right expertise and support as regulations and requirements continue to evolve.