← Embedded Finance Index 2026/Vendor

UKG

Provider
Unified Payroll/HRISPayroll

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 2 categories.

ukg.com ↗Also analysed as a company — its own stack →
CategoriesUnified Payroll/HRIS, Payroll
Rank#14 of 21 in Unified Payroll/HRIS
Buyers3 companies
RegulatoryConditional approval · National trust bank
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Charter application · Conditional approval
UKG National Trust Bank · National trust bank · OCC · Branchburg, NJ.
Conditional approval · Conditional Approval 1361 · 2026-01-22
Trust bank attached to the payroll / HCM platform — payroll funds handling under a federal charter.
OCC letter ↗
Who uses UKG
3 companies disclose UKG in their stack
PayactivMgm ResortsSwing Education
Buyer mix · 3 of 3 classified
Fintech / Earned Wage Access · 1Hospitality / Gaming & Entertainment · 1Marketplace / Gig economy · 1
US · 3
What the disclosures say
Payactiv
“payactiv.com homepage states 'Central Bank of Kansas City does not administer, nor is liable for earned wage access' — naming CBKC as the sponsor bank behind the Payactiv card. known_customer_listings confirms Central Bank of Kansas City lists Payactiv as a customer. payactiv.com/program-pricing references Payactiv Vis…”
Mgm Resorts
“UKG (UKG.ca and UKG.com) explicitly names MGM Resorts International as a customer in a published case study and webinar replay, confirming UKG handles scheduling and payroll for MGM's 62,000+ US employees.”
Swing Education
“Swing Education's help center article (support.swingeducation.com) explicitly instructs substitute teachers to access pay statements via the UKG app, confirming UKG as the payroll/HCM platform.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent UKG? Claim this profile above to unlock your own full list.
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Alternatives to UKG

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.

Finch44 buyers →Apideck9 buyers →Argyle8 buyers →Atomic7 buyers →Remote7 buyers →Merge5 buyers →Pinwheel5 buyers →ADP4 buyers →
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Ranked #14 of 21 in Unified Payroll/HRIS — Embedded Finance Index 2026
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