What Tessi does

Tessi is a France-based public Business Process Outsourcing (BPO) specialist founded in 1971, headquartered in Grenoble, with a workforce of 5,001–10,000 employees and a Paris listing on Euronext (epa:TES). The company operates across two interrelated layers: a managed services BPO delivering document processing, back-office operations (KYC/AML, claims, retirement, credits), and customer relationship management; and a proprietary software portfolio covering document management (ECM, GED), customer communications (CCM, DIGIFID® Loyalty), check processing (WECHECK, BOS MANAGER Chèques, CHEQ'CORNER), and certified trust services (electronic signature, electronic registered mail, remote identity verification, approved electronic invoicing). Technology infrastructure is anchored by subsidiaries ADM Value (CRM), Innovation&trust (digital trust), and VILT (consulting), supported by an internal innovation ecosystem (Digital Factory, Le Lab, CETIA, Pépites Shaker) and an AI-augmented Business Process Automation product.

The company makes money through managed services contracts (transaction-volume and scope-based pricing on multi-year enterprise agreements), software licensing and subscriptions (proprietary platforms and maintenance), cloud and infrastructure services (public, private, hybrid, and isolated cloud hosting), and consulting and integration services delivered primarily through VILT. Customers are concentrated in regulated verticals — banking, insurance and mutual funds, healthcare, government and public administration, retail, telecom, and energy — with named engagements including MGEN, Groupe Hospitalier Paris Saint-Joseph, OFB, Région Île-de-France, VPSitex, and La Nantaise d'Habitations. GTM is sales-led direct enterprise engagement, with marketing primarily via corporate website, case studies, and industry thought leadership.

Tessi is currently repositioning itself around 'agentic AI', having appointed Yvan Saule as Group CTO in June 2025 to lead AI agent development, and added ex-Uber GM Thibaud Simphal to its Supervisory Committee in the same month. The company has a documented M&A history (nine acquisitions between 2004 and 2018, including Owliance, Dhimyotis, Imdea Asesores, BPO Solutions, Diagonal, Gdoc Lasercom, LOGIDOC, C2I Ingénierie, and Accès Informatiques) used to extend vertical and capability footprint.

Name

Tessi

Legal name

Tessi Group

Website

https://tessi.fr

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Tessi is a France-based public BPO specialist providing document automation, back-office outsourcing, and proprietary software (ECM, loyalty, check processing, certified trust services) to enterprises across banking, insurance, healthcare, government, retail, and telecom sectors in Europe.

Ownership category

akta.pro rank

Product category

Business Process Outsourcing and Document Automation

NAICS

Telemarketing Bureaus and Other Contact Centers (561422), Computer Systems Design and Related Services (54151), Management Consulting Services (54161)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Processing & Data Preparation (7374), Services-Management Consulting Services (8742)

akta.pro primary industry

General Customer Service (Order/Account/Inquiries) (BPAAABAA)

akta.pro secondary industries

Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD) (FSABALAA), Spend Analytics & Reporting Support (BPAAAJAJ), Payment Integrity, Audit, Appeals & Grievance Support (BPAAAFAJ)

Keywords

• Business process outsourcing
• Document digitization services
• Customer communication management
• Electronic document management
• Back-office operations

Headquarters

HQ city

Grenoble

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Business Process Outsourcing (BPO) Services: Tessi provides comprehensive BPO services including document process digitalization, business back-office management, and customer relationship management. These services are delivered as managed operations with pricing based on transaction volumes, service scope, and customization requirements.
2. Software Licensing: Tessi develops and licenses proprietary software solutions including document management (ECM), customer communications (CCM), loyalty platforms (DIGIFID®), check processing systems, and healthcare/financial software. Revenue generated through software licensing, subscriptions, and maintenance contracts.
3. Cloud and Infrastructure Services: Data center and cloud computing services including public, private, hybrid, and isolated cloud options. Revenue from hosting, infrastructure management, and cloud service provisioning.
4. Consulting and Integration Services: Strategic consulting and system integration services including RPA implementation, CRM marketing automation, GDPR compliance, and digital transformation advisory through VILT entity.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Tessi is a French Business Process Outsourcing (BPO) specialist providing document process digitization, back-office operations management (KYC/AML, claims, credits, retirement), customer relationship and experience management, consulting and system integration, proprietary software publishing (loyalty, check processing, electronic signature, e-invoicing, digital trust), and cloud infrastructure services for enterprise clients in banking, insurance, healthcare, government, retail and telecommunications. The company combines industrialized managed services with proprietary software platforms such as DIGIFID Loyalty, Tessi ONCUSTOMER, WECHECK and an approved electronic invoicing platform.

Product overview

Tessi is a Business Process Outsourcing (BPO) specialist operating in an agentic AI world, providing integrated digital transformation solutions across document management, business process management, customer experience, and technology consulting. The portfolio is organized around core service pillars (Digitalisation des processus documentaires, Back office métier, Relation & expérience client, Conseil & intégration, Édition de logiciels, Data center services & cloud computing) supported by proprietary software products (DIGIFID® Loyalty, Tessi ONCUSTOMER, WECHECK, Tessi CHEQ'CORNER, Business Process Automation) and specialized sub-brands (ADM Value, Innovation&trust, VILT, Digital Factory). The company serves diverse sectors including banking, insurance, healthcare, public administration, and retail, and is strategically pivoting toward agentic AI technologies under new CTO leadership.

Differentiator

Problem solved

Functional benefit

Brands

• DIGIFID® Loyalty: Customer loyalty program management platform
• Tessi ONCUSTOMER
• WECHECK
• Tessi CHEQ'CORNER
• BOS MANAGER Chèques
• SCAN TO PAY Mobile
• Digital Invoice by Tessi
• Tessi Academy

Products and services

• Digitalisation des processus documentaires (Document Process Digitization) End-to-end digitization of document-intensive processes covering dematerialization of multi-channel incoming flows, electronic document management, customer onboarding and subscription, electronic archiving, editique/output marketing communications, HR document digitization, electronic invoicing (Procure-to-Pay / Order-to-Cash), remote legal declarations, and check processing services. Designed for organizations seeking to digitize large volumes of inbound and outbound documents.
• Back office métier (Business Back-Office Outsourcing) Specialized BPO for banking, insurance and financial services covering anti-money laundering and counter-terrorism financing, KYC and fraud prevention, IARD/claims management, credit processing, savings and employee savings, retirement operations, dormant accounts, factoring, health and provident processes (partial or full delegation), annual declarations and succession processing.
• Relation & expérience client (Customer Relationship and Experience) Multi-channel customer service operations, acquisition and retention campaign management, CRM execution, loyalty program management, and creative promotional/shopper marketing activations for consumer-facing enterprises.
• Conseil & intégration (Consulting and System Integration) Strategic consulting and integration services covering ECM/Content Services, CCM/CXM, CRM marketing automation, RPA implementation, digital payments, GDPR compliance advisory and Tessi Academy professional training, delivered by the VILT subsidiary.
• Édition de logiciels (Software Publishing) Portfolio of proprietary software products for document management, electronic archiving, workflow and case management, multi-channel communications, electronic registered mail, e-invoicing, digital trust, identity verification, and banking check processing — sold under the Tessi brand and through the Innovation&trust subsidiary.
• Data center services & cloud computing Hosting and managed cloud infrastructure services offering public cloud, private cloud, hybrid cloud and isolated/secure cloud deployment options for client applications and sensitive data workloads.
• DIGIFID Loyalty Customer loyalty program management platform enabling organizations to design, run and manage client loyalty and retention programs across channels.
• Tessi ONCUSTOMER Customer data orchestration solution that centralizes and orchestrates customer data across multiple touchpoints to support CRM, marketing activation and personalization use cases.
• WECHECK Check dematerialization solution enabling all types of remitters to digitize and process checks electronically, reducing reliance on physical check handling.
• Tessi CHEQ'CORNER Next-generation self-service kiosk for check processing and management of check flows at bank branches or client locations.
• BOS MANAGER Chèques Check flow management system used by banks and financial institutions to orchestrate, monitor and process large-volume check operations.
• SCAN TO PAY Mobile Mobile check deposit solution enabling banks to provide their remitters with on-the-go mobile check processing capabilities.
• Business Process Automation (IA) AI-powered workflow automation platform combining RPA with intelligent document processing to automate complex back-office processes for enterprise clients.
• Electronic Registered Mail (Recommandés électroniques) Certified electronic registered mail service providing legally binding digital delivery confirmation as an alternative to physical registered mail.
• Digital Invoice by Tessi (Plateforme Agréée de Facture Électronique) Approved electronic invoicing platform enabling fiscal dematerialization of supplier invoices and full Procure-to-Pay and Order-to-Cash automation in compliance with French regulatory requirements.
• Electronic Signature (Signature électronique) Electronic signature solution providing legally valid digital document signing for regulated enterprise workflows.
• Remote Identity Verification (Vérification d'identité à distance) Remote identity verification solution enabling secure distance-based identity authentication for KYC, customer onboarding and digital trust use cases.
• Electronic Archiving (SAE) Electronic archiving (SAE) solution providing regulatory-compliant long-term storage and retrieval of digital documents with evidentiary value.
• GED / Workflow / Case Management Enterprise content management (GED), workflow automation and case management platform for organizing, routing and processing structured and unstructured enterprise content.

Named customers6 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability10 records

Feature12 records

Partnerships

One partnership is on record.

• OPS (Office Public de la Biodiversité)minorOthersOPS (Office Français de la Biodiversité) partnered with Tessi for dematerialization of agent files, demonstrating Tessi's capabilities in government document management solutions. This is a public administration client engagement rather than a technology partnership.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Docaposte: Digital arm of Le Groupe La Poste providing document digitization, electronic signature, electronic registered mail, certified e-invoicing, and identity services in France. The closest direct competitor to Tessi on trust services and BPO/document processing in the French market.
• Conduent: US-listed BPO provider with document processing, payment processing, and customer experience businesses across government, healthcare, and financial services. Comparable to Tessi's document digitization and back-office services, though more US-centric.
• Sopra Steria: French-headquartered IT services and BPO player serving banking, insurance, public sector, and healthcare with consulting, system integration, and managed operations. Directly comparable to Tessi in geography, vertical mix, and full-stack delivery model.
• Genpact: Digital BPO specialist focused on banking, insurance, and healthcare back-office operations, with strong AI-led process automation capabilities. Directly comparable to Tessi's back-office métier practice and BPA/agentic AI strategy.
• Concentrix: Major global BPO and customer experience provider serving financial services, healthcare, government, and retail. Closely comparable to Tessi across multiple of Tessi's primary verticals and the mix of services plus proprietary technology.
• Teleperformance: Global leader in outsourced customer experience management, omnichannel customer support, and back-office BPO. Directly comparable to Tessi's "Relation & expérience client" pillar and broader managed-services BPO model.

Others

• OVHcloud: French cloud infrastructure provider competing with Tessi's data-center/cloud computing services. While not a direct competitor across Tessi's full portfolio, it overlaps on the cloud and infrastructure services pillar and is a relevant adjacent/ecosystem player in the French market.

Broad incumbents

• Worldline: European payments and financial services technology provider with document management, electronic signature, and trusted services relevant to Tessi's banking and trust services portfolio. Comparable specifically on the cheque/processing and digital trust side.
• Capgemini: Global IT services and consulting giant with a sizable BPO and business services practice serving banking, insurance, and public sector. Overlaps with Tessi broadly across consulting, integration, and managed services, but operates at much larger scale and breadth.

Regional players

• Serco Group: UK-headquartered public-sector-focused BPO and operational services provider serving government, healthcare, and transport. Comparable to Tessi's government and public administration segment, though operating primarily in the UK rather than France.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/tessi

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A9 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tessi