Ninth Wave Partner Up
“Can Ninth Wave become the universal connectivity layer that lets financial institutions securely share banking data with every ERP, accounting, and fintech application their business customers use?”
Ninth Wave positions itself as the connectivity infrastructure layer between financial institutions and third-party software applications — sitting on the bank side rather than the fintech/aggregator side. Its platform (Ninth Wave Connect for open banking API, Ninth Wave Direct for embedded finance integrations) replaced credential-scraping with tokenized, OAuth-based data sharing. The company has progressively expanded from consumer-facing fintech data connectivity (TurboTax, H&R Block integrations) into commercial/corporate banking use cases via ERP and accounting integrations (QuickBooks, Xero, Sage, NetSuite, MS Dynamics, Workday), making it a B2B2B infrastructure play targeting banks that want to compete with fintech challengers on data connectivity.