9Spokes
9Spokes is a cloud, white-label open data platform for banks, financial institutions, fintechs, and merchant aggregators serving small and midsize businesses.
What 9Spokes is
9Spokes is a cloud, white-label open data platform for banks, financial institutions, fintechs, and merchant aggregators serving small and midsize businesses. Institutions embed it in their own digital products and channels under their branding. The platform connects consented banking, accounting, credit card, merchant payment, and business app data through direct APIs rather than screen scraping. Its SMB Financial Hub presents branded cash balances, business app metrics, cashflow, and transaction details. Connected general-ledger data can show cashflow against a budget and projections up to 90 days. The Customer Insights Hub gives institutional teams portfolio intelligence about SMB financial health, spending, engagement, and usage for relationship, credit, product, and marketing work. Insights are available through a direct API feed or CSV download. Connections cover accounting, ecommerce, social media, marketing, and payments, with over 20 essential business apps cited. Refresh is real-time and analytics are embedded. Pricing is available on request.
Good
- White-label embedding in existing channels
- Direct API connections avoid screen scraping
- Shows cashflow and 90-day projections
- Portfolio insights via API or CSV
- Real-time refresh with embedded analytics
Watch out
- Pricing requires contacting the maker
- Cloud deployment only
- Designed for institutional buyers
- No public price listed
Who it suits
It is designed for institutions serving SMB customers, especially banks, fintechs, financial institutions, and merchant aggregators or acquirers. Teams needing white-label dashboards and portfolio intelligence are the stated audience.
Verdict
9Spokes combines branded SMB financial dashboards with institution-level portfolio insights and direct data connections. Buyers should request a demonstration and pricing to assess fit.
The facts
Each one read from 9Spokes's own pages, with the date it was checked.
What it does
- Cashflow
- The platform can show cashflow against a budget and visualize projections up to 90 days using connected general ledger data.checked 12 Oct 2026
- Customer dashboard
- The SMB Financial Hub gives business customers a branded view of cash balances, business app metrics, cashflow, and transaction details.checked 12 Oct 2026
- Data access
- Customer Insights Hub data is available through a direct API feed or CSV download.checked 12 Oct 2026
- Data connections
- 9Spokes says it uses consented direct API connections rather than screen scraping.checked 12 Oct 2026
- Deployment
- The platform is embedded in a partner’s digital channels and delivered under that institution’s brand.checked 12 Oct 2026
- Embedded analytics
- Yeschecked 20 Sep 2026
- Institutional insights
- The Customer Insights Hub provides portfolio insight into SMB financial health, spending behavior, engagement, and usage metrics.checked 12 Oct 2026
- Integrations
- Business app connections cover accounting, ecommerce, social media, marketing, and payments, and the maker says the feature integrates over 20 essential business apps.checked 12 Oct 2026
- Portfolio data access
- Institutional teams can access portfolio insights through a direct API feed or CSV download.checked 12 Oct 2026
- Portfolio insights
- The Customer Insights Hub provides portfolio intelligence for relationship, credit, product, and marketing teams.checked 12 Oct 2026
- Pricing and sales
- The platform page invites organizations to contact the team for a demo and does not state a public price.checked 12 Oct 2026
- Privacy
- 9Spokes says it complies with applicable local laws, including GDPR, and provides ways for individuals to access and modify personal data.checked 12 Oct 2026
- Product
- 9Spokes is a white-label open data platform that turns consented SMB banking, accounting, merchant, and business app data into customer dashboards and portfolio intelligence.checked 12 Oct 2026
- Refresh frequency
- real-timechecked 20 Sep 2026
- Security
- 9Spokes describes its security as ISO-certified and says it uses direct API connections rather than screen scraping.checked 12 Oct 2026
- Support
- The company invites prospective customers to contact its team or email [email protected] to discuss the platform.checked 12 Oct 2026
- Target customers
- The platform is for banks, financial institutions, fintechs, and merchant aggregators and acquirers serving SMBs.checked 12 Oct 2026
- What it connects
- The platform connects banking, accounting, credit card, merchant payment, and business app data through direct APIs.checked 12 Oct 2026
- White-label deployment
- Institutions embed 9Spokes in their existing digital products under their own brand and within their channels.checked 12 Oct 2026
- Who it serves
- The platform is for banks, financial institutions, fintechs, and merchant aggregators and acquirers serving small and midsize businesses.checked 12 Oct 2026
The company
- Company
- The site identifies the company as 9Spokes International Limited.checked 12 Oct 2026
- Headquarters
- Auckland, New Zealandchecked 28 Sep 2026
Alternatives to 9Spokes
- 1
Trovata TMS
AndroidiOSWebAPI7.3From $24,000 a year - 2
CAMSfinserv Account Aggregator
Free planAndroidWebAPI7.1Free plan - 3
MX
Free planAndroidiOSWebAPI7.0Free plan - 4
GoCardless Bank Account Data
Free planWebAPI6.9Free plan - 5
Salt Edge Data Aggregation
AndroidiOSWebAPI6.9 - 6
TrueLayer Data API
Free planAndroidiOSWebAPI6.9Free plan