9Spokes is an open data platform. We provide robust infrastructure on which to build brilliant business experiences – transforming permissioned data into information, and information into knowledge. We empower businesses to better manage their performances and enable developers to harness our data, information, and knowledge sets to build great apps to support businesses – small, local, and large. 9Spokes brings businesses, financial institutions, developers, and data together to share the benefits of open data. Our open API enables consented data from a rich selection of business apps to be pulled, standardised, and securely shared. Data connections extend over several business categories — from accounting, bank feeds, and payroll to point-of-sale and marketing. The infrastructure offers reliability, scalability, and bank-grade security. Key business use cases include proactive risk management, streamlined business lending, and robust customer intelligence. We share enhanced consented data points and valuable insights with our FI partners, compounding data from multiple sources. Our Track platform and FI-dedicated tools provide a turnkey solution so FIs are empowered to streamline loan origination, mitigate risk, and improve their brand experience overall, while receiving expected ROI across a number of metrics including improved retention, lower cost to serve and a decrease in cost of acquisition.