Embedded payments Kriya’s recent acquisition by Allica Bank and expansion into embedded payments presents a joint selling point to financial institutions and merchants seeking seamless PayLater and working-capital solutions integrated with banking-grade infrastructure.

PayLater Growth With PayLater launched for UK B2B merchants and a track record of advancing over £4 billion in credit since 2011, target mid-market and SME buyers who require flexible settlement terms to close larger deals.

Expansion Momentum Strategic funding rounds and high-profile clients such as Halfords indicate strong sales momentum and credibility; leverage this to approach additional mid-market retailers and consumer-facing brands needing B2B payment and trade finance capabilities.

Tech Enablement A modern tech stack and tools like Stripe PayLater integration position Kriya as a scalable fintech partner for merchants; propose technology-led pilots and integrations with ERP/commerce platforms to accelerate adoption.

Scale & Partnerships Recent partnerships and the aim to deliver £1B of SME working capital by 2028 signal openness to ecosystem collaborations; pursue co-sell opportunities with fintechs, lenders, and payment processors seeking to expand SME credit and payments solutions.