Business banking customers no longer separate their banking from their operations. They expect their bank to show up inside their accounting software, their ERP, their payroll platform, and their financial management tools. Ninth Wave Embedded Finance makes that expectation a reality — without requiring your institution to build or maintain the integrations yourself.
Through Ninth Wave Direct, financial institutions deliver secure, permissioned banking connectivity directly into the platforms their business customers use every day. Transactions flow automatically. Balances stay current. Payments initiate without switching tools. The bank becomes part of the customer’s operational environment, not a separate destination they visit to retrieve data.
Business customers who connect their bank to their core operating software experience a fundamentally different banking relationship. The bank is no longer a commodity provider of financial products. It becomes embedded infrastructure. That shift increases retention, reduces price sensitivity, and opens natural conversations about additional products and services.
Most community and regional banks still rely on manual file export and import workflows for business banking data. Offering direct, real-time connectivity to QuickBooks, NetSuite, Sage, Xero, Microsoft Business Central, and Workday positions your institution ahead of competitors who have not yet made this investment.
Ninth Wave research found that 85% of CFOs would consider switching banks to gain a direct connection to their ERP or accounting system. Finance teams with such connections save more than five hours per week. That data reflects a structural shift in what business banking customers expect from their financial institution.
Ninth Wave Direct is the embedded finance platform that connects financial institutions to seven major business application platforms through a single integration. Rather than building and maintaining separate connections to each accounting or ERP system, your institution configures the integration once. Ninth Wave manages ongoing API compatibility, certification, and maintenance as each platform evolves.
The accounting platform of choice for small and mid-size businesses.
Mid-market ERP for companies with complex accounting and multi-entity operations.
Accounting platform with strong presence in construction, manufacturing, and professional services.
Cloud-native accounting preferred by service businesses and accounting firms.
Personal financial management widely used by sole proprietors and retail banking customers.
Mid-market ERP for organizations standardized on the Microsoft ecosystem.
Enterprise financial management platform for large organizations and upper mid-market companies.
One connection to Ninth Wave Direct gives your institution live access to QuickBooks, NetSuite, Sage, Xero, Quicken, Microsoft Business Central, and Workday — without building or maintaining separate integrations for each.
Every connection is built on secure, standards-based APIs that eliminate credential sharing, support modern authentication, and remain compatible as ERP platforms release new versions.
Ninth Wave Direct and Ninth Wave Connect operate on the same platform — so the same institution can offer commercial customers direct ERP connectivity and retail customers permissioned data sharing without managing two separate vendors.
Ninth Wave Compass analyzes your institution’s API environment and generates step-by-step integration guidance automatically, compressing the time from customer onboarding request to live data feed.
Ninth Wave Managed Services provides hands-on implementation, customer onboarding, and ongoing operational support — so your team focuses on the commercial relationship, not the technical infrastructure.
The integration is presented to your business banking customers under your institution’s brand, with your institution managing the customer relationship and consent at every step.
Every Ninth Wave embedded finance integration operates through OAuth 2.0 tokenized access. Customer banking credentials are never shared with a third-party application. The customer authorizes the connection once. All subsequent data transfers operate through that secure token rather than through stored passwords or credential sharing.
Ninth Wave does not store user or account data. The platform is SOC 2 Type I and Type II certified and PCI DSS compliant. For institutions whose enterprise customers evaluate vendors against formal security certification requirements, Ninth Wave’s certification status supports a straightforward procurement process.
Ninth Wave Compass is an AI-driven onboarding assistant that automates the most complex stages of embedded finance integration. Compass analyzes the institution’s API environment, identifies configuration requirements, and generates step-by-step integration guidance — compressing time-to-market considerably compared to manual implementation approaches.
Ninth Wave Managed Services provides hands-on operational support for institutions deploying embedded finance capabilities. Implementation support, customer onboarding assistance, partner management, and ongoing platform management are available as a service — allowing your team to focus on the commercial relationship rather than the technical infrastructure.
