“Can a Nordic workplace-experience SaaS scale without building a payments or payroll layer underneath it?”
Homie Labs Oy (usehomie.com) is a Helsinki-based workplace/employee experience SaaS — distinct from several similarly named companies (Homie real-estate in the US, Homie Pay-Per-Use appliances in the Netherlands, WFHomie in Canada). Public evidence of funding rounds and embedded finance partnerships is essentially absent.