Quicken is a personal financial management platform with a long-established user base among individuals, sole proprietors, and small business owners who manage their finances through desktop software. Quicken users expect their bank account data to appear accurately in the platform without manual intervention. Ninth Wave’s Quicken integration provides that connection through a secure, OFX-compatible bank feed — delivering the reliability Quicken users depend on while protecting their banking credentials from third-party exposure.
Xero has a strong following among small businesses, professional services firms, creative agencies, and the accountants and bookkeepers who manage multiple client accounts through a single platform. For Xero users, the bank feed is central to how they experience accounting software. When it works well, it is invisible — transactions appear automatically, balances are current, and reconciliation is a quick confirmation step. When it relies on screen scraping or fails to deliver current data, it becomes a daily friction point that reflects on the bank. Ninth Wave’s Xero integration delivers a reliable, API-based bank feed that protects that relationship.
Ninth Wave’s Quicken integration uses the OFX (Open Financial Exchange) standard — the protocol Quicken has relied on for decades and the format that delivers the most reliable, accurately formatted data into the platform’s personal finance management features.
Unlike the commercial ERP integrations in the Ninth Wave Direct suite, Quicken integration serves the retail banking segment and sole proprietors who use Quicken for personal or small business financial tracking. This extends embedded banking into the consumer portion of the bank’s portfolio.
Ninth Wave supports Quicken connectivity for checking, savings, credit card, and loan accounts — giving Quicken users a complete picture of their financial relationship with the bank inside a single platform.
Transaction data delivered in the format Quicken expects for accurate import
Checking, savings, credit card, and loan accounts all supported
Transactions delivered on a configurable schedule without manual export
Current balances accessible inside Quicken
Credential-free access — customer login details never shared
Bank-side visibility into all Quicken connection activity
Quicken integration operates through OAuth 2.0 tokenization — the retail banking customer authorizes the connection once, and no banking credentials are stored by Quicken or by any third-party intermediary. This is particularly important for retail customers who may not understand the risks associated with credential sharing.
Ninth Wave Portal gives the institution visibility into all active Quicken connections. The bank can monitor connection activity, identify unusual access patterns, and revoke connections if needed — maintaining oversight of third-party access to retail account data.
Quicken integration through Ninth Wave Direct uses the OFX protocol, which has a well-established and straightforward configuration path — making it one of the fastest integrations in the Ninth Wave Direct suite to bring to production.
Because Quicken is used by retail customers rather than commercial accounts, activation can be offered to a broad segment of the retail portfolio simultaneously — without the per-customer configuration complexity of commercial ERP integrations.
Quicken integration is delivered through the existing Ninth Wave Direct deployment alongside the commercial integrations — a single platform covers retail and commercial embedded banking.
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.
