Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 2 categories.
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UKG was formed in April 2020 via the merger of Ultimate Software and Kronos Incorporated, backed by Hellman & Friedman (~50%) and Blackstone (20-25%). The combined company brought together Ultimate's HCM/payroll strengths with Kronos's workforce management (time & attendance, scheduling) heritage. Since the merger UKG has extended into embedded employee financial services via UKG Wallet (earned wage access, UKG Visa payroll card, bill pay, savings) and into global payroll orchestration via UKG One View, positioning itself as a full workforce operating platform for enterprise and mid-market employers.
Other Unified Payroll/HRIS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #15 of 23 in Unified Payroll/HRIS — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/ukg/install" width="1" height="1" alt="" style="display:none">3 companies are linked to UKG in the Embedded Finance Index 2026, through their own public disclosures or UKG's published customer list, including Payactiv, Mgm Resorts and Swing Education.
UKG is an embedded-finance provider in Unified Payroll/HRIS and Payroll. It ranks #15 of 23 Unified Payroll/HRIS providers by linked companies.
UKG has applied for a national trust bank charter for UKG National Trust Bank with the OCC. Status: conditional approval (2026-01-22).
The most-named Unified Payroll/HRIS alternatives to UKG are Finch (48 buyers), Apideck (9 buyers), Argyle (8 buyers), Atomic (7 buyers), Remote (7 buyers) and Merge (6 buyers).
UKG is founded in 2020 and headquartered in Weston, Florida and Lowell, Massachusetts, USA.
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