Your 4-Step Roadmap to Unlocking Accounting Data & Embedded Finance.

The Jayne Case Study illustrated the power of seamless, moment-of-need credit offers delivered directly into a member's accounting software (like QuickBooks). This kind of embedded finance, where Jayne’s perferred tools and her credit union “talk” to each other, is the future of SME growth. 

For credit union executives and strategic leaders in the credit union system, the natural next question is the most important one: How do we get there without multi-year, multi-million-dollar IT projects? 

The answer lies in the community-driven Open Data Ecosystem, built specifically for the Canadian Credit Union System to provide a shared, scalable solution for all. We eliminate the cost and complexity of one-off integrations. We don't just enable one use-case; we build the foundational highway that lets you (and all other Canadian credit unions) instantly connect to any future FinTech partner. For SME growth, the first immediate win is a secure, direct connection to your SME member's accounting data. 

Here is the high-level roadmap we use to get Canadian credit unions to market with high-value open data use cases in weeks, not years. 

The 4-Step Journey to Data-Driven Services 

1. Strategic Alignment & Budget Allocation 
This initial stage focuses on securing the necessary resources for their open data journey. 

• The Focus: The executive team confirms the strategic priority of specific use-cases like identity verification and/or accounting data access, then allocates budget for the foundational open data infrastructure. 

• The Result: You confirm your institution's commitment to being a first-mover in the 2026 Consumer Driven Banking landscape, ensuring you can capitalize on key early capabilities like the direct Intuit/QuickBooks data feed. 

2. Ecosystem Integration & Standardization 
Forget custom coding for every FinTech. You integrate once into your Ecosystem Manager. 

• The Focus: Standardization, Not Aggregation. You integrate once and access everything through a single FDX-aligned API. We remove complexity by standardizing how data is exposed, and back it with a full sandbox, clear documentation, and expert support, helping your team deliver secure, consent-first experiences faster. 

• The Result: Instant Ecosystem Access. By adopting the FDX format through our platform, your credit union is instantly “open” for business. You gain a scalable, future-proof connection that is pre-vetted for security and compliance, bypassing the complexity of building proprietary FDX standards in-house. This single integration means you can securely interact with any and all TPPs (Third-Party Providers) that speak the FDX language. 

3. Use Case Activation: Accounting Data & Business Health Insights  
With the foundation built, we activate the crucial data pipeline, which is the key to the Jayne use-case.  

• The Focus: We collaborate with your product and lending teams to define the member experience. This involves launching the secure flow that lets members share their real-time accounting data (e.g., QuickBooks), enabling your credit union to provide instantaneous business health insights and better risk assessments. 

• The Result: You gain a deep, secure, and always-current view of your SME members' financial health, moving beyond static balance sheets and positioning your credit union as a proactive strategic partner. 

4. Embedded Finance & Perpetual Scale (Ongoing) 
This is where the true ROI is realized: leveraging data for high-margin, automated services. 

• The Focus: You use the secure accounting data feed from Step 3 to design and deploy automated lending offers—like a pre-approved credit line that appears exactly at the "moment-of-need." You can also activate any new FinTech partner in our network. From personal finance tools to specialized budgeting apps, at zero additional core integration cost. 

• The Result: You move from passively waiting for applications to proactively offering capital to your SME members, turning your lending book into a non-stop, high-margin revenue engine, all built on reliable accounting data. 

Critical Next Step: Secure Your 2026 Launch Window 
The QuickBooks/Intuit use-case starts with accounting data access and leads to the moment-of-need credit demonstrated by Jayne. This use-case is slated to launch early in 2026. 

If you are committed to growing your individual member and SME member lending books by leveraging these embedded opportunities, the time to act is now.  Don't wait to play catch-up. Contact us today to schedule a brief executive session walking through your specific 2026 launch plan.