← State of Embedded Finance 2026

Criterion

Can a financial services standards and communities platform expand into embedded payroll and earned wage access for mid-market businesses?

HQUnited Kingdom
IndustryHorizontal SaaS / HR & Payroll
The story

Criterion (Criterion Tec Limited, criterion.org.uk) is a UK-based financial services standards and communities platform. The only confirmed embedded finance partnership is with Clair for earned wage access (on-demand pay), suggesting the company has begun adding payroll-adjacent financial services for its mid-market business customers.

Last 12 months
2023
The stack
Accounting gap: none