“Can a top-20 independent accounting firm become the preferred technology-enabled financial advisor for high-growth and mid-market businesses by bundling audit, tax, consulting, and embedded software solutions?”
Armanino is one of the top 20 independent U.S. accounting and business consulting firms, serving 12,000+ clients across 100+ countries. The firm has evolved from traditional audit, tax, and advisory services toward a tech-enabled model, building out proprietary software integrations, toolkits, and an API developer portal (BizCore APIM). Its embedded finance angle is primarily as an advisor and integrator for fintech clients rather than a direct consumer of embedded finance rails itself. The firm partners with vendors like Avalara for tax automation and BILL for accounts payable, layering these into client engagements.
Armanino integrates with Sage Intacct, Salesforce and Microsoft Dynamics 365.
The Embedded Finance Index 2026 maps 2 layers in Armanino's stack: Accounting (Sage Intacct, Salesforce and Microsoft Dynamics 365); Spend / AP (BILL).
Armanino is headquartered in San Ramon, CA (United States).
Get a read on where your own stack stands against Armanino and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.