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Cantor Fitzgerald, a Kyriba Treasury customer evaluated GTreasury

Citigroup, a VestmarkONE customer evaluated BlackRock Aladdin Wealth

Wayfair, a Korber HighJump WMS customer just evaluated Manhattan WMS

Westpac NZ, an Infosys Finacle customer evaluated nCino Bank OS

Moog, an UKG AutoTime customer evaluated Workday Time and Attendance

Michelin, an e2open customer evaluated Oracle Transportation Management

Swedbank, a Temenos T24 customer evaluated Oracle Flexcube

Cantor Fitzgerald, a Kyriba Treasury customer evaluated GTreasury

List of Refyne Customers

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Logo Customer Industry Empl. Revenue Country Vendor Application Category When SI Insight Insight Source
CARS24 Automotive 6000 $660M India Refyne Refyne Earned Wage Access 2021 n/a In 2021, CARS24 implemented Refyne to provide employees on demand access to earned wages under the Earned Wage Access category. The deployment introduced Refyne's Earned Wage Access application alongside CARS24 payroll operations in India, enabling near real time access to accrued pay and managed disbursement workflows. Press coverage identifies CARS24 among employers using Refyne to deliver employee financial wellbeing services. The implementation emphasized HR and payroll integration, with Refyne configured to interface with CARS24 payroll systems to support employee enrollment, authorization workflows, payroll reconciliation, and payout orchestration consistent with Earned Wage Access functional practice. Configuration included controls for eligibility and advance limits, reporting to HR and finance for payroll close and reconciliation, and automated settlement routines between payroll cycles and on demand withdrawals. The technical focus centered on secure payroll data exchange and automation of disbursement processes to reduce manual reconciliation effort. Operational scope covered CARS24 employees in India and impacted HR, payroll, finance, and employee benefits processes, which required updated governance and support workflows for early wage access. The program was aimed at improving workforce financial wellbeing and reducing reliance on high cost credit, as noted in public reporting. Governance steps included establishing authorization rules, reconciliation routines, and HR support processes for enrollments and employee inquiries.
Practo Professional Services 1500 $100M India Refyne Refyne Earned Wage Access 2021 n/a In 2021, Practo implemented Refyne to provide Earned Wage Access for Practo employees in India, deploying Salary On Demand capabilities to address mid paycheck liquidity and improve employee financial wellness. The Refyne implementation focused on employee enrollment, earnings visibility, and on demand access to accrued wages, aligning the application with HR and payroll business functions rather than external customer systems. Configuration included an HRMS and payroll integration, connecting Refyne Earned Wage Access workflows to Practo payroll records to enable accrual calculation and payroll reconciliation. The deployment used standard EWA modules for earnings tracking, employee request authorization, and payout orchestration, and required adjustments to payroll cutoff and reconciliation processes along with governance for payroll controls and employee support across Practo's India operations.
Rebel Foods Consumer Packaged Goods 5000 $1.3B India Refyne Refyne Earned Wage Access 2021 n/a In 2021, Rebel Foods implemented Refyne to provide Earned Wage Access for frontline and operational staff across its India operations. Refyne Salary On-Demand was integrated into Rebel Foods' payroll and HR systems to enable employees to withdraw accrued wages on demand, helping reduce cash flow stress between pay cycles. The implementation emphasized payroll linkage and on demand payout orchestration to serve hourly and store level employees. Operational ownership was aligned with HR and payroll teams, with configuration focused on eligibility rules, payout controls, and reconciliation workflows tied back to payroll runs. The deployment targeted employee financial wellbeing and HR payroll function modernization, with enrollment and governance processes enabling controlled wage access and auditability.
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