WHITE-LABELED INSIGHTS & ANALYTICS PLATFORM
Open Data Platform for Banks, Fintechs & Merchant Aggregators
9Spokes is a white-label open data platform that helps financial institutions aggregate consented SMB banking, accounting, merchant, and business app data — then turn it into customer-facing dashboards and internal portfolio intelligence, all under your brand.
What is an open banking data platform?
An open banking/open data platform is software that securely aggregates a business's consented financial data — bank accounts, accounting ledgers, credit cards, merchant payments, and connected business apps — through direct API connections, then standardizes it into actionable insights. For banks, it provides two outputs from one data layer: a white-labeled dashboard for SMB customers and portfolio intelligence for internal teams.
How do I optimize my website for conversions?
Financial institutions and merchant aggregators embed 9Spokes into their existing digital channels. SMB customers securely connect their financial and business accounts through consented, direct API connections — no screen scraping. 9Spokes ingests and standardizes that data, surfaces insights to SMBs through an embedded dashboard, and equips the institution's teams with aggregated portfolio intelligence to deepen relationships and identify growth opportunities.
Discover the Power of 9Spokes
Get a firsthand look at how our intuitive platform enables financial organizations to empower their business customers through valuable insights and key metrics.
HOW IT WORKS
The 9Spokes open banking data platform connects consented SMB data to two destinations from a single integration: a customer-facing experience and an institutional intelligence layer. Here's the full flow.
STEP 1
Integrate with 9Spokes
Financial institutions embed 9Spokes into the digital products they already offer SMB customers. As a white-label platform, it deploys under your brand, within your channels, with no disruption to your existing experience.
STEP 2
Launch to Your SMB Customers
SMBs securely link and sync financial accounts, accounting ledgers, credit cards, merchant payments, and business app data across providers — using consented, direct API connections rather than screen scraping.
STEP 3
SMBs Access Actionable Insights
9Spokes ingests, standardizes, and aggregates the connected data, then delivers it back to SMBs through an embedded dashboard that helps them understand cash position, track performance, and make better-informed decisions.
STEP 4
Improve Customer Relationships with Gained Portfolio Intelligence
The same consented data layer equips your internal teams with portfolio-level insight into SMB financial health, behaviors, and needs — enabling more tailored services, sharper risk visibility, and a stronger share of wallet.
One Platform, 2 Destinations
SMB FINANCIAL HUB — THE CUSTOMER-FACING EXPERIENCE
A pre-built, white-labeled dashboard that gives your SMB customers one place to understand their finances and run their business better. Built on the open banking data layer, the SMB Financial Hub turns connected accounts into clear, day-to-day decision-making tools.
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AGGREGATE FINANCIAL INSIGHTS: View cash balances across all connected accounts and understand current cash position from banking and general ledger data.
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BUSINESS APP INTEGRATIONS: Consolidate key metrics from accounting, sales, marketing, e-commerce, and more for a holistic view in one place.
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EFFICIENT CASHFLOW MANAGEMENT: Connect general ledger data via accounting applications to manage cash flow against budgets, visualize projections up to 90 days, and automate forecasting.
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DETAILED TRANSACTION INSIGHTS: Drill down into transaction-level detail to prevent duplicates and ensure accuracy.
Cashflow
Help your customers to manage their cash flow by connecting their general ledger data. Small businesses can:
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Understand current cash position based on banking and general ledger data.
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See cashflow against a budget set.
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View transactions impacting cashflow position.
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Use Kanban or calendar view to change the due date for bills and invoice to evaluate the impact on cashflow position.
CUSTOMER INSIGHTS HUB —THE INSTITUTIONAL INTELLIGENCE LAYER
The banker-facing side of the platform. The Customer Insights Hub turns the same consented SMB data into portfolio intelligence, helping relationship, credit, product, and marketing teams understand customers, manage risk, and grow wallet share.
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FLEXIBLE DATA ACCESS: Access portfolio insights via direct API feed or CSV download for seamless integration into existing systems.
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COMPREHENSIVE CUSTOMER UNDERSTANDING: Gain deep insight into SMB financial health, spending behaviors, and the competitive landscape to refine offerings.
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SIMPLIFED ENGAGEMENT EVALUATION: Analyze engagement across SMB activity to strategize upsell, cross-sell, loyalty, and personalized offers.
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PLATFORM UTILIZATION METRICS: Access usage metrics across the customer journey to target strategies by segment, industry, and region.
BULIT FOR INSTITUTIONAL SCALE AND SECURITY
Trust & Differentiators
ISO-Certified Security
with direct API connections — no screen scraping, just accuracy you can bank on.
Enterprise-Grade Reliability
proven at the scale of leading global and tier-1 financial institutions.
A Seamless Brand Experience
that your customers already trust — fully white-labeled within your channels.
Consented Data
that turns every SMB relationship into a growth opportunity.
Frequently Asked Questions
What is the difference between a customer-facing SMB dashboard and a banker-facing insights hub?
The SMB Financial Hub is the customer-facing dashboard SMBs use to manage cashflow and view connected accounts. The Customer Insights Hub is the internal layer that gives bank teams aggregated portfolio intelligence. Both run on the same consented data.
Does 9Spokes use screen scraping?
No. 9Spokes uses consented, direct API connections, which support greater accuracy, reliability, and security than screen scraping.
Who is the 9Spokes platform for?
Banks and other financial institutions, fintechs, and merchant aggregators and acquirers that want to deliver SMB financial insights under their own brand.
How does consented data support SMB lending and risk visibility?
Aggregated, consented financial data gives institutions a clearer, more current view of SMB financial health — supporting better-informed lending decisions, earlier risk signals, and more relevant product offers.
READY TO GET STARTED?
See how the 9Spokes open data platform can power both your SMB customer experience and your internal portfolio intelligence under your brand. Contact our team to walk through the platform or email sales@9spokes.com.