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Resources curated for modern banking leaders.

Building embedded finance ecosystems using the latest open technologies for banks to better understand small businesses' financial needs.
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Latest resources

Merchant Optimization Playbook

Guide: The Merchant Data Optimization Playbook

The frameworks, scorecards, and worksheets for merchant aggregators, ISOs, and financial platforms to help them turn payment data into growth, retention, and revenue.

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embedded finance

Guide: Embedded Finance Strategy

Frameworks, scorecards, and an ROI model to help you decide with confidence which direction you should take — build, buy, or partner.

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SMB Financial Health Report 2026

Report: The State of SMB Financial Health & Banking

A market view of where SMB primacy is moving, what's driving it, and the benchmarks that separate the banks gaining wallet share from those losing it. 

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9Spokes_Open_Banking_Playbook.pdf-1

eBook: Banker's Playbook: How to Unlock SMB Growth with Open Data

A practical guide on turning SMB data into deeper relationships, higher loan volumes, and measurable growth.

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