Ninth Wave Direct extends an FI’s data sharing with deep two-way integration into business operations, financial planning and accounting packages for improved cash flow, balance transparency, payment initiation and enhanced reporting.
Building upon Ninth Wave Connect - the foundational product connecting financial data to the Ninth Wave platform, opening up data and services through industry standard APIs for 3rd party consumption - Ninth Wave Direct further extends this value through native two-way integrations into the top accounting systems and software packages used by your business customers.
Embedded finance software enables financial institutions to deliver banking services, such as balance visibility, transaction data, and payment initiation, natively within the third-party business applications their customers already use, including accounting platforms, ERP systems, and treasury management tools. Rather than requiring users to log into a separate banking portal, embedded finance integrates those functions directly into the customer’s existing workflow. Ninth Wave Direct is Ninth Wave’s embedded finance solution, purpose-built for commercial and business banking customers.
Bank-to-ERP integration works by creating a secure, two-way data connection between a financial institution’s core banking systems and a business’s ERP or accounting platform. Through Ninth Wave Direct, banks expose account balances, transaction history, and payment functions via standardized APIs. The ERP system calls those APIs in real time, allowing business users to import transactions, reconcile accounts, and initiate ACH, wire, check, or card payments directly from within the ERP without ever leaving the application. Ninth Wave handles the testing, certification, and ongoing maintenance of each connector for platforms including Oracle NetSuite, Microsoft Dynamics 365, Workday, and others.
Ninth Wave Direct provides native integrations with the leading accounting, ERP, and treasury management platforms used by business banking customers. Current integrations include QuickBooks, Xero, Sage, Oracle NetSuite, Microsoft Dynamics 365 Business Central, Workday, and Quicken. Ninth Wave manages the certification and upkeep of each connector, and new integrations are added as customer demand and market requirements evolve.
Open banking enables consumers and businesses to securely share their financial data with authorized third-party applications through standardized APIs, giving those apps read access to account information. Embedded finance goes a step further by integrating banking services, including both data and transactions, directly into non-banking software such as accounting systems and ERP platforms, so users can initiate payments and reconcile accounts without leaving their business application. At Ninth Wave, Ninth Wave Connect delivers the open banking API layer, while Ninth Wave Direct delivers the deeper embedded finance layer through native, two-way integration into the software your business customers use every day.
Ninth Wave Direct integrates a bank’s core systems with QuickBooks through a certified, native API connection. Once a business customer authorizes the connection within QuickBooks, they can automatically import real-time account balances and transaction history, reconcile accounts, and initiate ACH, wire, or check payments directly from within QuickBooks without switching to online banking. Ninth Wave manages the QuickBooks certification process on behalf of the bank and provides ongoing connector maintenance, so the financial institution’s internal IT team does not need to build or sustain the integration.
Direct ERP integration for commercial banks is a capability that allows a bank to embed its financial data and payment services natively inside the ERP platforms used by its business and corporate banking customers. Instead of requiring treasury teams and finance staff to log into a separate banking portal, transactions, balances, and payment workflows are accessible directly within tools like Oracle NetSuite, Microsoft Dynamics 365, or Workday. This matters because it reduces manual reconciliation effort, accelerates cash flow decisions, eliminates dual-entry errors, and gives the bank a differentiated, high-retention product within its Treasury Management and Corporate Banking divisions. Ninth Wave Direct is purpose-built to deliver this capability without requiring significant internal IT investment from the financial institution.