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BENEFITS TO BANKS, FINANCIAL SERVICE PROVIDERS & FINTECHS

SMB Financial Insights, Delivered Through
Your Brand

 9Spokes helps banks and fintechs turn consented SMB data into financial insights — giving business customers a clearer view of their finances, directly in your platform under your brand, while equipping internal teams with the portfolio intelligence to deepen relationships, identify risk, and uncover growth.

 

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AT A GLANCE

Why do banks and fintechs use 9Spokes?

Banks and fintechs use 9Spokes to give SMB customers a clearer view of their business and finances and to give their own teams the intelligence into those businesses to grow relationships — all delivered white-label, under the institution’s brand. It gives banks and fintechs the ability to offer valuable SMB financial insights without building the data platform themselves.

THE CHALLENGE

SMB Data Is Everywhere — But Rarely Working for You

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Your SMB customers generate financial signals across banking, payments, accounting, credit cards, and business apps, like HR, payroll, social media, and more, every day. But that data is usually disparate and unused.

Business customers can’t see their full financial picture, and your teams lack the visibility to spot risk early, personalize outreach, or act on growth opportunities before a competitor does.

WHAT YOU DELIVER

Two Outcomes from One Consented Data Layer

9Spokes turns consented SMB data into two connected outcomes — one for your customers, one for your teams — delivered under your brand:

  • A dashboard your SMB customers use daily: Give business customers a clearer view of their cashflow, accounts, and business performance in one branded place — the kind of everyday value that keeps them engaged with you instead of a spreadsheet.

  • Portfolio intelligence your teams can act on: Give banking, credit, product, marketing, and lending teams a clearer read on SMB customer health across the portfolio — so they can prioritize outreach, spot risk sooner, and have more relevant conversations.

merchant multiview

 Both experiences run on the same integration. For the full data flow — how consented data is ingested, standardized, and delivered — see the platform page.

 

See how the platform works

WHY BANKS & FINTECHS CHOOSE 9SPOKES

Benefits for Banks

  1. Deepen relationships with clearer, more relevant conversations backed by real financial and overall business data.

  2. Identify risk earlier with an accurate, consented view of SMB cashflow and financial health.

  3. Grow share of wallet by spotting cross-sell and lending opportunities across the portfolio.

  4. Equip relationship managers with portfolio intelligence instead of disconnected reports.

9Spokes-ecosystem

Benefits for Fintechs 

  1. Embed consented SMB data and insights directly into your digital product experience.

  2. Accelerate your roadmap — add insight capability without building every connection from the ground up.

  3. Increase engagement and retention with insights customers can act on.

  4. Launch under your own brand, on your own channels, with a configurable experience.

WHY BANKS AND FINTECHS TRUST 9SPOKES

 Enterprise-Grade, and Built to Sit Behind Your Brand

Viewport of 9Spokes Cashflow

Cashflow

Help your customers to manage their cash flow by connecting their general ledger data. Small businesses can: 

  • Understand current cash position based on banking and general ledger data.
  • See cashflow against a budget set.
  • View transactions impacting cashflow position.
  • Use Kanban or calendar view to change the due date for bills and invoice to evaluate the impact on cashflow position.
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Looks and Feels Like You

The entire experience is delivered white-label, within your channels — so the value lands with your customers as your product, not a third party’s.

Proven at Your Scale

Trusted to support leading global and tier-1 financial institutions, so it holds up to the reliability and compliance bar your customers expect.

A Trusted Experience

Consented, direct API connections — with no screen scraping — mean the insights you show SMBs are accurate and dependable, protecting the trust that underpins the relationship.

A Faster Route to Market

Add SMB financial-insight capability without building every data connection and dashboard yourself — so you deliver value to customers sooner.

Frequently Asked Questions

Why would a bank choose 9Spokes over building it in-house?

Building consented data connections, a customer dashboard, and a portfolio-intelligence layer from scratch is a long, costly roadmap. 9Spokes delivers all three as a white-label platform, so banks reach their SMB customers with useful insights far sooner — under their own brand.

How can fintechs add SMB financial insights to their product?

Fintechs can implement 9Spokes into their existing digital experience to add consented data aggregation and insights, adding insight capability without building every data connection themselves.

What kinds of SMB data can we surface to customers?

 Consented banking, cashflow, merchant, credit card, and connected business app (like social media, HR, payroll, and more) data — brought together into a single view for the customer and aggregated into portfolio insight for your teams.

 

Ready to Turn SMB Data into Stronger  Relationships?

 Help your SMB customers make smarter financial decisions — and give your teams the insight to build more valuable relationships.

Request a Platform Demo
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