Unified SMB banking.
9Spokes Track is a small business banking insights platform.
Powered by open data, deliver a modern interface featuring banking, cash flow, and business insights for your customer and consented access to real-time performance insights for you.


9Spokes Track is a small business banking insights platform.
Powered by open data, deliver a modern interface featuring banking, cash flow, and business insights for your customer and consented access to real-time performance insights for you.
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White-labelled tools that address core small business pain points.
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Easy-to-use trackers for your small business customers.
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Incentivize business to give consented access to their business data.
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Pair real-time consented business data with transactional banking data to unlock new insights.
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Enable relationship managers to better service their portfolio customers.


Deliver a sleek small business digital banking interface that makes them keep coming back. Increase retention by enabling customers to:
- Aggregate cash balances across all connected bank accounts.
- See upcoming scheduled transactions.
- View top five payees and payors.
- View credit card spending and outstanding loans.
- See both business and personal accounts.

Help your customers 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 cash flow against a budget set.
- View transactions impacting cash flow position.
- Use kanban or calendar view to change the due date for bills and invoices to evaluate the impact on cash flow position.

Offer customers a way to get a consolidated view of the apps they most commonly use with curated insights.
- Select sales & marketing apps to view insights within the bank's online banking portal.
- Understand all key business metrics in one place.
- Potential for expanded data relationships as customers consent to data flows to the platform e.g., targeting product offers.
- Allow customers to connect their apps from key categories including marketing, sales, social media, eCommerce, and more.

Enhance core banking functionality with Access. Visualize and monitor your customers consented business data to drive business outcomes.
- Unlock insights from new categories of consented data including general ledger, marketing, and more.
- Enable relationship managers to drive better outcomes for customers.
- Drive greater efficiency in your lending operations.
Some of the 40+ tiles powered by app data endpoints






