Ninth Wave growth playbook

Replace the compliance promise with a readiness promise that holds whatever the final rule says: FDX-standard APIs, OAuth tokens instead of screen scraping, consent records per app, and traffic visibility. Add a short, dated "Where 1033 stands" box that the team updates when the CFPB acts, and a "1033 readiness review" call to action for banks deciding what to do now.

Banks still have to stop screen scraping, govern aggregators and meet commercial clients' demand for direct connections whether or not the deadlines move. Selling the work that survives any version of the rule turns regulatory uncertainty from a reason to wait into a reason to talk.

[ ] Customers connect apps through APIs, not shared passwords
[ ] Each app connection has its own token you can revoke
[ ] Consent is recorded per customer, per account, per app
[ ] You can see every aggregator and app pulling data, and how much
[ ] Your APIs follow the FDX standard
[ ] Commercial clients can connect their ERP directly
[ ] Support knows what to do when a connection breaks

• The rule changes again

  Date the status box and assign the Marketing Manager to update it within a week of any CFPB action.

• Looks like less urgency

  Lead with what commercial clients and aggregators demand today, not with the deadline.

• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source
• Search resultsSection 1033: the CFPB's November 2024 personal financial data rights rule is being reconsidered. An August 22, 2025 advance notice asked about who can act as a consumer's representative, fees for access, security and privacy, and in August 2026 the CFPB said it plans to propose a rule reconsidering the 2024 rule; a challenge by the Bank Policy Institute and the Kentucky Bankers Association is pending.Source
• HiringMarketing Manager (posted July 2026, New York office five days a week, $120k–$150k plus stock options, reports to the COO): run email, organic and paid social and SEO/SEM in HubSpot; write case studies, blogs, white papers and industry reports; build sales enablement (collateral, presentations, playbooks); lead trade shows and custom events; own website updates, media outreach and PR; report ROI, CPC and CPL from Salesforce and HubSpot; manage the budget. Open Banking / Open Finance marketing experience is required.Source

Ask Axos Bank for a named version of its story, and turn the partner announcements (Candescent, Q2, Narmi, Plaid, Sage) into a "Who we work with" section on the case studies and partners pages with logos where allowed. Rewrite one anonymous case study per month as a named one, with numbers.

Senior bank buyers check references before a first meeting. Named proof that is already public costs nothing to show and gives the Director of Sales something to send after a cold call.

• Banks will not be named

  Use named platform partners and named people (a title and quote) with the bank kept as "a top 25 US bank".

• Your websitePartners page: "8 of the top 10 Wealth Managers" and "7 of the top 10 U.S. banks" with one unattributed quote. Case Studies page: five stories, all anonymous ("Leading Business Bank Relies on Ninth Wave to Achieve ERP Connectivity", "A prominent San Francisco based Fintech", a "large financial institution" serving property managers and HOAs).Source
• Your websiteNamed relationships in Ninth Wave's own posts: Axos Bank expanding its relationship, Candescent extending its partnership, an integration with Q2's digital banking platform, a Narmi partnership, Plaid preferred partner for 1033 (October 2024), Dragonfly Financial Technologies, and the Sage Marketplace partner program (July 2026).Source
• HiringMarketing Manager (posted July 2026, New York office five days a week, $120k–$150k plus stock options, reports to the COO): run email, organic and paid social and SEO/SEM in HubSpot; write case studies, blogs, white papers and industry reports; build sales enablement (collateral, presentations, playbooks); lead trade shows and custom events; own website updates, media outreach and PR; report ROI, CPC and CPL from Salesforce and HubSpot; manage the budget. Open Banking / Open Finance marketing experience is required.Source

Redirect each duplicate to its current page, merge the two screen-scraping posts into one updated post, unpublish the draft, retire the COVID page, and fix the modified dates so updates mean something. Then re-submit the sitemap.

This is cleanup that makes every later SEO dollar the Marketing Manager spends count, and it removes the most obvious signs of neglect from a site regulated buyers read closely.

• Redirect breaks a link partners use

  Check backlinks to each URL before removing it.

• Your websiteSitemap (199 URLs): /draft-integrations/ is live and indexable (a full business-banking page titled "Open Finance API"); /ninth-wave-platform/old-xero-integration/ is live next to the current Xero page; "Open Banking vs Screen Scraping 2" (October 8, 2026) duplicates the original post; a COVID-19 readiness message is still listed; dozens of older posts carry a July 1, 2026 modified date.Source
• programmable.infoChrome UX Report for ninth-wave.com: largest contentful paint 4.77 s at the 75th percentile, 45% slower than a year earlier (Google rates 2.5 s or less as good); layout shift 0.17 (good is 0.1 or less). No newsletter, no YouTube channel; developer docs on Docusaurus at developer.ninth-wave.com, with API documents behind a registration form.Source

Build a one-page note per target bank: the survey findings, which ERPs and accounting systems that bank's commercial clients are likely to run, whether the bank offers direct feeds to them today, and what a connection would save. The Director of Sales sends it after the first call. Refresh the release so it shows one honest date.

Banks move when they fear losing commercial deposits. A note with their own name on it turns a generic statistic into a specific risk, and it gives the new Director of Sales a reason to call senior line-of-business leaders.

• Survey is a year old

  Say so plainly and plan the 2026 edition (idea 11).

• Guessing a bank's client mix

  Present it as likely mix from public listings, and ask in discovery.

• Your websiteSurvey release dated September 25, 2025 ("CFOs Speak"), re-posted with "Posted on October 8, 2025 September 28, 2026": of 200 senior finance leaders at companies with $50M+ revenue, 85% of those without a direct bank-to-ERP connection would switch banks to get one; finance teams with one save nearly six hours a week; 38% said it would significantly increase the number of products they use from the bank.Source
• HiringDirector of Sales (posted May 2026, $110k–$150k base plus commission): build a pipeline of new-name clients and sell to existing ones; present to senior line-of-business and technology leaders; orchestrate the solutions engineer, legal, finance and executives; write enterprise-wide account plans. Requires 15+ years selling into the top 30 financial institutions and representing the company at 3–4 trade shows a year.Source
• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source

Compress the hero images, defer the Elementor scripts and the accessibility toolbar until after load, reserve space for the cookie and banner elements, and give paid search its own light landing page for each product.

Speed is one of the few site changes that improves both rankings and paid conversion, and the measure is public, so progress is easy to show.

• Plugins break

  Test on a staging copy first.

• programmable.infoChrome UX Report for ninth-wave.com: largest contentful paint 4.77 s at the 75th percentile, 45% slower than a year earlier (Google rates 2.5 s or less as good); layout shift 0.17 (good is 0.1 or less). No newsletter, no YouTube channel; developer docs on Docusaurus at developer.ninth-wave.com, with API documents behind a registration form.Source
• HiringMarketing Manager (posted July 2026, New York office five days a week, $120k–$150k plus stock options, reports to the COO): run email, organic and paid social and SEO/SEM in HubSpot; write case studies, blogs, white papers and industry reports; build sales enablement (collateral, presentations, playbooks); lead trade shows and custom events; own website updates, media outreach and PR; report ROI, CPC and CPL from Salesforce and HubSpot; manage the budget. Open Banking / Open Finance marketing experience is required.Source

A public page where a bank or aggregator uploads (or picks a sample of) a Postman collection or FDX mapping and gets a short gap report: which FDX fields are missing, which formats differ, what Compass would fix. The full report needs a call.

It shows the AWS study's claim working on the visitor's own files and gives the Pre-Sales Engineer a qualified technical lead with context before the first meeting.

• Banks will not upload files

  Start with sample files and a recorded walkthrough of a real (anonymized) mapping.

• Gives away too much

  Show the gap count and categories; keep fixes for the call.

• Your websiteSeptember 14, 2026 release with AWS: Compass, launched in March and built on Amazon Bedrock AgentCore, cut onboarding integration testing by up to 95% in a jointly written study, replacing spreadsheet- and email-driven onboarding between banks, aggregators and fintechs with self-service answers.Source
• HiringAI Java Developer: extend Compass, a Spring Boot application on OpenSearch and AWS Bedrock (Knowledge Bases and Agents) that helps U.S. banks publish, monitor and govern their open-banking / FDX data-sharing APIs, ingesting bank-supplied Postman collections, configuration files and FDX mapping spreadsheets.Source
• programmable.infoChrome UX Report for ninth-wave.com: largest contentful paint 4.77 s at the 75th percentile, 45% slower than a year earlier (Google rates 2.5 s or less as good); layout shift 0.17 (good is 0.1 or less). No newsletter, no YouTube channel; developer docs on Docusaurus at developer.ninth-wave.com, with API documents behind a registration form.Source

For each target bank, the Pre-Sales Engineer builds a short audit: the ERPs where it has a direct feed, where its peers do and it does not, and what the CFO survey says that costs. The Director of Sales opens with the audit, not a pitch.

A bank's treasury head rarely knows where they stand against peers. Showing them a specific gap, built from public listings, earns the first meeting with the senior line-of-business leaders the role targets.

• Listings are incomplete

  Call it a public view and invite the bank to correct it in a meeting.

• HiringDirector of Sales (posted May 2026, $110k–$150k base plus commission): build a pipeline of new-name clients and sell to existing ones; present to senior line-of-business and technology leaders; orchestrate the solutions engineer, legal, finance and executives; write enterprise-wide account plans. Requires 15+ years selling into the top 30 financial institutions and representing the company at 3–4 trade shows a year.Source
• HiringPre-Sales Engineer ($65k–$85k): the technical lead in customer presentations, the author of responses to information and proposal requests, and the liaison who brings the market back into a "market-driven product roadmap". Familiarity with OFX, FDX and BAI2, OAuth2, and ERP/accounting systems (NetSuite, Microsoft Dynamics, Sage) is listed.Source
• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source
• Your websiteSurvey release dated September 25, 2025 ("CFOs Speak"), re-posted with "Posted on October 8, 2025 September 28, 2026": of 200 senior finance leaders at companies with $50M+ revenue, 85% of those without a direct bank-to-ERP connection would switch banks to get one; finance teams with one save nearly six hours a week; 38% said it would significantly increase the number of products they use from the bank.Source

With each platform: a joint webinar for its clients, a listing in its partner marketplace with a clear package, a shared case study, and a joint booth or session at its user conference. Track partner-sourced pipeline separately.

Platform partners reach the community and regional banks that a three-person sales team cannot call, and their recommendation carries weight with a bank's digital team.

• Partners prefer their own features

  Position Ninth Wave on what they do not build: commercial ERP feeds and support.

• Your websiteNamed relationships in Ninth Wave's own posts: Axos Bank expanding its relationship, Candescent extending its partnership, an integration with Q2's digital banking platform, a Narmi partnership, Plaid preferred partner for 1033 (October 2024), Dragonfly Financial Technologies, and the Sage Marketplace partner program (July 2026).Source
• HiringMarketing Manager (posted July 2026, New York office five days a week, $120k–$150k plus stock options, reports to the COO): run email, organic and paid social and SEO/SEM in HubSpot; write case studies, blogs, white papers and industry reports; build sales enablement (collateral, presentations, playbooks); lead trade shows and custom events; own website updates, media outreach and PR; report ROI, CPC and CPL from Salesforce and HubSpot; manage the budget. Open Banking / Open Finance marketing experience is required.Source
• HiringDirector of Sales (posted May 2026, $110k–$150k base plus commission): build a pipeline of new-name clients and sell to existing ones; present to senior line-of-business and technology leaders; orchestrate the solutions engineer, legal, finance and executives; write enterprise-wide account plans. Requires 15+ years selling into the top 30 financial institutions and representing the company at 3–4 trade shows a year.Source

A fixed-price Managed Services tier for regional and community banks: onboarding, ERP support, monitoring and a monthly connection health report. Sell it with the platform, not after it, and use the top five US bank retention story as proof.

Smaller banks buy outcomes, not platforms. A packaged service removes the staffing objection and creates recurring revenue the new VP of Client Success can grow.

• Margins on services

  Cap included hours and use Compass to automate common tickets.

• Your website"The Hidden Cost of Open Finance Support" (September 16, 2026): bank support teams cannot support NetSuite, Quicken, Xero, Workday, Carta or Monarch; connections that run smoothly for three to four months then start to break; tier two and three banks have five or six security staff against 100+ at the largest; the Managed Services page cites a retention case study from a top five US bank.Source
• HiringVP of Client Success (posted October 16, 2026, $160k–$195k, reports to the COO): lead Client Success and Production Support, run Quarterly Business Reviews, own ticket, SLA, repeat-incident and satisfaction metrics, use AI tools for ticket analysis and QBR materials, and coordinate the handoff from onboarding; Sales keeps ownership of client relationships. Two Project Managers for large client implementations (contract to hire) are also open.Source
• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source

Score candidate events (AFP for treasurers, FDX's own events for open-finance owners, Money20/20 and Finovate for digital leaders, partner user conferences) by how many target-bank decision makers attend. Before each, book meetings with target banks; at each, host a small treasury dinner.

A booth without booked meetings rarely pays back for a small team. Pre-booked meetings and a dinner turn a show into a week of senior conversations.

• Low attendance from targets

  Prefer smaller partner events where target banks are customers.

• HiringMarketing Manager (posted July 2026, New York office five days a week, $120k–$150k plus stock options, reports to the COO): run email, organic and paid social and SEO/SEM in HubSpot; write case studies, blogs, white papers and industry reports; build sales enablement (collateral, presentations, playbooks); lead trade shows and custom events; own website updates, media outreach and PR; report ROI, CPC and CPL from Salesforce and HubSpot; manage the budget. Open Banking / Open Finance marketing experience is required.Source
• HiringDirector of Sales (posted May 2026, $110k–$150k base plus commission): build a pipeline of new-name clients and sell to existing ones; present to senior line-of-business and technology leaders; orchestrate the solutions engineer, legal, finance and executives; write enterprise-wide account plans. Requires 15+ years selling into the top 30 financial institutions and representing the company at 3–4 trade shows a year.Source
• Your websiteNamed relationships in Ninth Wave's own posts: Axos Bank expanding its relationship, Candescent extending its partnership, an integration with Q2's digital banking platform, a Narmi partnership, Plaid preferred partner for 1033 (October 2024), Dragonfly Financial Technologies, and the Sage Marketplace partner program (July 2026).Source

A quarterly report with anonymized, aggregated numbers: API share versus screen scraping, the fastest-growing apps, ERP connection growth, breakage causes. Each edition goes to press, partners and every target bank, with a gated full version.

Original data gets coverage and links, and it positions Ninth Wave as the authority banks quote in board decks.

• Client contracts restrict data use

  Publish only aggregates the contracts allow and have clients opt in to be counted.

• HiringMarketing Manager (posted July 2026, New York office five days a week, $120k–$150k plus stock options, reports to the COO): run email, organic and paid social and SEO/SEM in HubSpot; write case studies, blogs, white papers and industry reports; build sales enablement (collateral, presentations, playbooks); lead trade shows and custom events; own website updates, media outreach and PR; report ROI, CPC and CPL from Salesforce and HubSpot; manage the budget. Open Banking / Open Finance marketing experience is required.Source
• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source
• Your website"The Hidden Cost of Open Finance Support" (September 16, 2026): bank support teams cannot support NetSuite, Quicken, Xero, Workday, Carta or Monarch; connections that run smoothly for three to four months then start to break; tier two and three banks have five or six security staff against 100+ at the largest; the Managed Services page cites a retention case study from a top five US bank.Source
• Your websiteSurvey release dated September 25, 2025 ("CFOs Speak"), re-posted with "Posted on October 8, 2025 September 28, 2026": of 200 senior finance leaders at companies with $50M+ revenue, 85% of those without a direct bank-to-ERP connection would switch banks to get one; finance teams with one save nearly six hours a week; 38% said it would significantly increase the number of products they use from the bank.Source

A page and a downloadable evaluation guide for "governing AI agent access to customer data", showing how Connect and Portal identify agent traffic, limit scope and revoke access, plus a webinar for bank risk and security teams.

Security and risk leaders are a second buyer inside the bank with their own budget. A new category with a clear checklist gives Ninth Wave a reason to talk to them now.

• Claims ahead of the product

  Label roadmap items clearly.

• Your websiteCEO George Anderson's September 30, 2026 article "AI Agent Access Control and Protection Platforms for Banks" profiles ten platforms, says no vendor has solved every aspect, and cites the U.S. Treasury Department's Financial Services AI Risk Management Framework (February 2026) as making AI agent governance a material risk requirement.Source
• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source
• HiringAI Java Developer: extend Compass, a Spring Boot application on OpenSearch and AWS Bedrock (Knowledge Bases and Agents) that helps U.S. banks publish, monitor and govern their open-banking / FDX data-sharing APIs, ingesting bank-supplied Postman collections, configuration files and FDX mapping spreadsheets.Source

A library of approved answers for the 100 most common RFP questions, plus one competitor comparison per rival: where they win, where Ninth Wave wins (commercial ERP feeds, managed support, Compass), and the questions to ask.

Faster, consistent answers win more RFPs and free the Pre-Sales Engineer for demos.

• Goes stale

  Owner per section and a quarterly review.

• HiringPre-Sales Engineer ($65k–$85k): the technical lead in customer presentations, the author of responses to information and proposal requests, and the liaison who brings the market back into a "market-driven product roadmap". Familiarity with OFX, FDX and BAI2, OAuth2, and ERP/accounting systems (NetSuite, Microsoft Dynamics, Sage) is listed.Source
• Competitor researchRivals selling to the same banks: Akoya ("100% API-connected data sharing" and regulatory compliance for financial institutions), Axway Amplify Open Banking (API management and compliance), MX (a financial data platform with Data Access), and Codat (banking infrastructure for commercial card and treasury sales teams). Plaid is a partner and also offers banks its own API connection.See the research Source
• HiringDirector of Sales (posted May 2026, $110k–$150k base plus commission): build a pipeline of new-name clients and sell to existing ones; present to senior line-of-business and technology leaders; orchestrate the solutions engineer, legal, finance and executives; write enterprise-wide account plans. Requires 15+ years selling into the top 30 financial institutions and representing the company at 3–4 trade shows a year.Source

For each of the top 30: the buying group (treasury management, commercial digital, open banking, security), LinkedIn ads matched to those people, the bank's audit (idea 7) and the traffic report (idea 11) as content, and a monthly review of engagement with the Director of Sales.

A small number of large accounts justify personal effort, and coordinated ads make cold outreach warmer.

• Small audiences cost more

  Keep it to named accounts and cap spend.

• HiringDirector of Sales (posted May 2026, $110k–$150k base plus commission): build a pipeline of new-name clients and sell to existing ones; present to senior line-of-business and technology leaders; orchestrate the solutions engineer, legal, finance and executives; write enterprise-wide account plans. Requires 15+ years selling into the top 30 financial institutions and representing the company at 3–4 trade shows a year.Source
• HiringMarketing Manager (posted July 2026, New York office five days a week, $120k–$150k plus stock options, reports to the COO): run email, organic and paid social and SEO/SEM in HubSpot; write case studies, blogs, white papers and industry reports; build sales enablement (collateral, presentations, playbooks); lead trade shows and custom events; own website updates, media outreach and PR; report ROI, CPC and CPL from Salesforce and HubSpot; manage the budget. Open Banking / Open Finance marketing experience is required.Source
• Your websitePartners page: "8 of the top 10 Wealth Managers" and "7 of the top 10 U.S. banks" with one unattributed quote. Case Studies page: five stories, all anonymous ("Leading Business Bank Relies on Ninth Wave to Achieve ERP Connectivity", "A prominent San Francisco based Fintech", a "large financial institution" serving property managers and HOAs).Source

Prepare a "data access pricing" offer: Portal metering by aggregator, a pricing model template, agreement terms and reporting, ready to switch on when the final rule is clear. Talk to five banks now about how they would price.

Being ready on day one turns a rule change into revenue for the bank and a reason to buy Ninth Wave.

• Fees are not allowed

  The metering still serves the traffic report and agent governance.

• Aggregator backlash

  Keep Ninth Wave neutral: the bank sets prices.

• Search resultsSection 1033: the CFPB's November 2024 personal financial data rights rule is being reconsidered. An August 22, 2025 advance notice asked about who can act as a consumer's representative, fees for access, security and privacy, and in August 2026 the CFPB said it plans to propose a rule reconsidering the 2024 rule; a challenge by the Bank Policy Institute and the Kentucky Bankers Association is pending.Source
• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source
• Your websiteNamed relationships in Ninth Wave's own posts: Axos Bank expanding its relationship, Candescent extending its partnership, an integration with Q2's digital banking platform, a Narmi partnership, Plaid preferred partner for 1033 (October 2024), Dragonfly Financial Technologies, and the Sage Marketplace partner program (July 2026).Source

A self-service Compass account for aggregators and fintechs: upload test collections, see each bank's mapping, get answers without tickets. Price by bank connection. Each bank that joins makes it more useful to the others.

Charging the other side of the network creates a new revenue line and a pull from aggregators who ask their banks to join.

• Banks object to sharing mappings

  Each bank chooses what aggregators can see.

• Your websiteSeptember 14, 2026 release with AWS: Compass, launched in March and built on Amazon Bedrock AgentCore, cut onboarding integration testing by up to 95% in a jointly written study, replacing spreadsheet- and email-driven onboarding between banks, aggregators and fintechs with self-service answers.Source
• HiringAI Java Developer: extend Compass, a Spring Boot application on OpenSearch and AWS Bedrock (Knowledge Bases and Agents) that helps U.S. banks publish, monitor and govern their open-banking / FDX data-sharing APIs, ingesting bank-supplied Postman collections, configuration files and FDX mapping spreadsheets.Source
• Your websiteNamed relationships in Ninth Wave's own posts: Axos Bank expanding its relationship, Candescent extending its partnership, an integration with Q2's digital banking platform, a Narmi partnership, Plaid preferred partner for 1033 (October 2024), Dragonfly Financial Technologies, and the Sage Marketplace partner program (July 2026).Source

A fixed-scope bundle (FDX APIs, consent, Portal, Managed Services, ERP feeds for business clients) priced for institutions under a size threshold and sold through Q2, Candescent, Narmi and Dragonfly as a menu item.

One partner agreement can reach hundreds of institutions, and a fixed bundle cuts sales cycles.

• Low margins on small banks

  Standardize onboarding and use Managed Services pricing.

• Your websiteNamed relationships in Ninth Wave's own posts: Axos Bank expanding its relationship, Candescent extending its partnership, an integration with Q2's digital banking platform, a Narmi partnership, Plaid preferred partner for 1033 (October 2024), Dragonfly Financial Technologies, and the Sage Marketplace partner program (July 2026).Source
• Your website"The Hidden Cost of Open Finance Support" (September 16, 2026): bank support teams cannot support NetSuite, Quicken, Xero, Workday, Carta or Monarch; connections that run smoothly for three to four months then start to break; tier two and three banks have five or six security staff against 100+ at the largest; the Managed Services page cites a retention case study from a top five US bank.Source
• Search resultsSection 1033: the CFPB's November 2024 personal financial data rights rule is being reconsidered. An August 22, 2025 advance notice asked about who can act as a consumer's representative, fees for access, security and privacy, and in August 2026 the CFPB said it plans to propose a rule reconsidering the 2024 rule; a challenge by the Bank Policy Institute and the Kentucky Bankers Association is pending.Source

A free finder: pick your ERP, see which banks offer a direct feed and how, with a "ask your bank" letter for CFOs whose bank does not. Ninth Wave client banks are listed first.

It creates demand at the bank's customers, which pushes banks to call Ninth Wave, and it gives client banks a reason to want to be listed.

• Banks dislike being listed

  List only offerings that are public, and correct quickly.

• Your websiteSurvey release dated September 25, 2025 ("CFOs Speak"), re-posted with "Posted on October 8, 2025 September 28, 2026": of 200 senior finance leaders at companies with $50M+ revenue, 85% of those without a direct bank-to-ERP connection would switch banks to get one; finance teams with one save nearly six hours a week; 38% said it would significantly increase the number of products they use from the bank.Source
• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source
• Your websiteNamed relationships in Ninth Wave's own posts: Axos Bank expanding its relationship, Candescent extending its partnership, an integration with Q2's digital banking platform, a Narmi partnership, Plaid preferred partner for 1033 (October 2024), Dragonfly Financial Technologies, and the Sage Marketplace partner program (July 2026).Source

A badge and short explainer page per client bank ("Direct, secure connection to NetSuite, Xero and Sage, verified by Ninth Wave") the bank can place on its treasury pages and in onboarding emails.

It helps the bank sell the feature, keeps Ninth Wave visible at renewal, and every badge links back.

• Bank brand rules

  Let the bank choose a plain-text version.

• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source
• Your websiteSurvey release dated September 25, 2025 ("CFOs Speak"), re-posted with "Posted on October 8, 2025 September 28, 2026": of 200 senior finance leaders at companies with $50M+ revenue, 85% of those without a direct bank-to-ERP connection would switch banks to get one; finance teams with one save nearly six hours a week; 38% said it would significantly increase the number of products they use from the bank.Source
• HiringVP of Client Success (posted October 16, 2026, $160k–$195k, reports to the COO): lead Client Success and Production Support, run Quarterly Business Reviews, own ticket, SLA, repeat-incident and satisfaction metrics, use AI tools for ticket analysis and QBR materials, and coordinate the handoff from onboarding; Sales keeps ownership of client relationships. Two Project Managers for large client implementations (contract to hire) are also open.Source

Listings in each ERP marketplace that explain which banks connect through Ninth Wave, with a request form that notifies the bank, plus a session at an ERP user conference with a client bank.

It puts Ninth Wave where commercial clients look and turns their interest into requests banks cannot ignore.

• Marketplace rules

  Follow each one's listing terms.

• Your websiteNamed relationships in Ninth Wave's own posts: Axos Bank expanding its relationship, Candescent extending its partnership, an integration with Q2's digital banking platform, a Narmi partnership, Plaid preferred partner for 1033 (October 2024), Dragonfly Financial Technologies, and the Sage Marketplace partner program (July 2026).Source
• Your websiteHomepage: "120M+ Accounts Connected"; products Connect, Direct, 360°, Portal and Managed Services; integrations with NetSuite, Xero, Quicken, Sage, Microsoft Dynamics 365 Business Central, Workday and QuickBooks. It asks "Is Your Financial Institution Ready for Dodd-Frank 1033?" and promises to "Ensure full compliance with Dodd Frank 1033 ruling for retail bank and credit cards". There is no pricing page.Source
• HiringPre-Sales Engineer ($65k–$85k): the technical lead in customer presentations, the author of responses to information and proposal requests, and the liaison who brings the market back into a "market-driven product roadmap". Familiarity with OFX, FDX and BAI2, OAuth2, and ERP/accounting systems (NetSuite, Microsoft Dynamics, Sage) is listed.Source

A status page by connection type (NetSuite, Xero, Sage, Quicken, aggregators) with uptime, incidents and fix times, plus alerts client banks can subscribe to.

Showing reliability openly is rare and persuasive for regulated buyers, and it reduces "is it down?" tickets.

• Shows incidents publicly

  That is the point; pair it with fix times.

• Your website"The Hidden Cost of Open Finance Support" (September 16, 2026): bank support teams cannot support NetSuite, Quicken, Xero, Workday, Carta or Monarch; connections that run smoothly for three to four months then start to break; tier two and three banks have five or six security staff against 100+ at the largest; the Managed Services page cites a retention case study from a top five US bank.Source
• HiringVP of Client Success (posted October 16, 2026, $160k–$195k, reports to the COO): lead Client Success and Production Support, run Quarterly Business Reviews, own ticket, SLA, repeat-incident and satisfaction metrics, use AI tools for ticket analysis and QBR materials, and coordinate the handoff from onboarding; Sales keeps ownership of client relationships. Two Project Managers for large client implementations (contract to hire) are also open.Source
• programmable.infoChrome UX Report for ninth-wave.com: largest contentful paint 4.77 s at the 75th percentile, 45% slower than a year earlier (Google rates 2.5 s or less as good); layout shift 0.17 (good is 0.1 or less). No newsletter, no YouTube channel; developer docs on Docusaurus at developer.ninth-wave.com, with API documents behind a registration form.Source