20NINE vs SmartSuite
This is a comparison between two wildly different, highly specialized tools. 20NINE targets financial inclusion and digital payments in emerging markets with proprietary AI. SmartSuite delivers flexible, no-code workflow management and deep automation for any organization. Choosing one depends entirely on whether you are building infrastructure or managing internal operations.
AI power for financial inclusion.
We recognize 20NINE's highly ambitious goal of digitizing informal economies using advanced AI credit scoring and next-generation payments. The unique solution excellently bridges the financial gap for millions otherwise ignored by traditional banking systems. Overall, 20NINE offers a powerful, high-impact platform, though its undisclosed custom pricing limits public transparency.
Pros
- Utilizes advanced AI for credit scoring informal economies.
- Crucial focus on financial inclusion for underserved markets.
- Delivers next-generation digital payment solutions (Blipply platform).
- Empowers micro-retailers to expand their market reach.
Cons
- Pricing plans and fee structures are not publicly disclosed.
- Lacks transparency regarding specific subscription tiers.
- No mention of a free trial or free access option.
- Lack of specific user reviews for the Blipply financial platform.
Configurable Workflow Hub for Teams
We found SmartSuite to be a powerful platform focused on boosting operational efficiency and organizational alignment. It offers deep customization, strong automation features, and clear tiered pricing, allowing teams to build flexible solutions without requiring coding expertise. Overall, this is a robust option for organizations moving beyond simple task management toward complex process workflow management.
Pros
- Deep process customization for highly tailored solutions.
- Powerful automation engine using triggers, AI, and webhooks.
- Flexible pricing structure that includes a permanent free tier.
- Extensive integration capability (20+ native, 6,000+ via Zapier).
Cons
- Paid plans require a minimum number of billable users, starting at three.
- Higher tiers can become substantially expensive for very large organizations.
- The vast array of features may present a steep initial learning curve.
- File storage limits are modest on lower-tier plans.
About20NINE
20NINE is building connections between two ends of the financial spectrum. We're bridging the gap between consumers and micro-retailers in leap markets and the formal financial system. The company uses advanced AI-based credit scoring to help both micro-retailers and their customers become credit-ready.
This platform leverages the rise of mobile phones, ushering in a new era of financial accessibility where traditional banking infrastructure is limited. For the millions of micro-retailers who are the backbone of local economies, 20NINE empowers them to expand their reach and transition from cash dominance. ✅ Their platform, Blipply, delivers seamless and accurate shopping experiences, designed for both online and in-store use.
AboutSmartSuite
SmartSuite is a powerful, flexible platform designed to streamline operations across your entire organization. It focuses on turning complex, siloed departmental work into integrated, manageable workflows.
Whether you’re handling compliance, managing IT tickets, or driving sales, SmartSuite allows teams to build customized solutions without requiring any dedicated coding. It’s built for businesses looking to gain speed, accountability, and essential visibility in handling their daily tasks. 💡
Highlights
Feature Comparison
Features Overview
We highlight the main differences and pick a winner for each feature.
Core Purpose
20NINE is a niche FinTech infrastructure platform; SmartSuite manages generalized business workflows.
20NINE is highly specialized, using proprietary AI to score credit for informal economies. It helps financial institutions transition cash-dominant markets to digital ecosystems. This focus serves a very specific developmental and financial mandate. SmartSuite is a flexible, no-code platform used for organizing everything from marketing to IT service tickets. It provides a generalized system for managing operational process workflows and team alignment. The key difference is application: 20NINE builds external financial rails, while SmartSuite organizes internal enterprise operations. They are not direct alternatives. The choice depends entirely on your specific business mission and desired outcome. If your organizational goal is financial inclusion in emerging markets, 20NINE is relevant; otherwise, SmartSuite defines the category.
Pricing Transparency
SmartSuite offers transparent tiers with a free plan; 20NINE hides its pricing model entirely.
20NINE does not publicly disclose any pricing, plans, or associated costs for its FinTech services. Organizations must contact the sales team for a highly customized enterprise quote. The cost is likely budget significant. SmartSuite offers clear, per-user monthly costs ranging from a permanent Free tier up to $45/user/month (billed annually). Paid plans, however, require a minimum commitment of 3 billable users to start. This clear tier structure allows immediate budgeting and scaling. SmartSuite is the clear winner for any organization valuing budget predictability and accessible entry points. You can start using SmartSuite today without talking to a salesperson.
Advanced Automation
SmartSuite provides AI and webhook automation; 20NINE automates mobile-based payment transactions.
20NINE's form of automation is focused on eliminating bank cards and facilitating next-generation digital mobile payments. It automates financial accessibility and the customer checkout process via its Blipply platform. SmartSuite boasts a powerful engine capable of using triggers, webhooks, and AI for sophisticated process automation. This can automatically assign tasks, manage complex IT escalations, or update records instantly. SmartSuite offers extensive and widely applicable automation for internal business processes across multiple departments. If your goal is to reduce internal manual effort across GRC or HR, SmartSuite is superior.
Compliance & Security
SmartSuite details its SOC 2 certification; 20NINE provides no public security information.
20NINE handles sensitive financial infrastructure but lacks public documentation on security protocols and compliance. Potential clients must inquire directly about their specific security framework. SmartSuite ensures its highest-tier plans are secured with SOC 2 Type II, ISO 27001, and optional HIPAA requirements. Advanced features include Single Sign-On (SSO) and IP Address Restrictions. SmartSuite's dedication to publishing high-level security audits makes it the immediate choice for compliance-driven enterprises. Trusting a FinTech platform requires clear security assurance, which only SmartSuite provides publicly.
Integration Capability
SmartSuite connects to 6,000+ apps; 20NINE’s ecosystem is specialized and proprietary.
The 20NINE platform, Blipply, is a specialized solution focused on integrating micro-retailers into formal finance. Its integration capability centers on banking networks and mobile POS systems. SmartSuite provides 20+ native integrations right out of the box for key applications like HubSpot and Salesforce. Furthermore, SmartSuite connects to over 6,000 other applications using Zapier and Make. If you need a flexible hub that ties together your entire SaaS stack, SmartSuite is unrivaled. SmartSuite offers vastly superior breadth for standard business operations.
Support Accessibility
20NINE is praised for “super fast” support; SmartSuite offers tiered priority channels.
Available user feedback for 20NINE consistently praises the helpdesk as “supersnelle” (super fast) and highly responsive. This suggests an excellent commitment to customer service, even if reviews cover their legacy hosting business. SmartSuite offers tiered support, including Priority Support and dedicated Customer Success Managers for top Enterprise clients. Higher-tier SmartSuite customers get access to real-time chat support and dedicated onboarding assistance. Based on the available, albeit niche, data, 20NINE has proven responsiveness, giving it a slight edge here.
Our Verdict
The verdict is clear: 20NINE and SmartSuite are not competing for the same customers. The choice is determined entirely by function. SmartSuite wins for general business workflow and cost transparency. 20NINE’s superpower is its hyper-niche focus on financial inclusion and the micro-retail sector. It deploys advanced AI to create creditworthiness for millions in cash-dominant, informal economies. If your organization's mission involves leveraging FinTech to bridge the financial gap, 20NINE is the solution you need. SmartSuite is the champion of scalable process orchestration for modern enterprises globally. It provides highly customizable, no-code solutions that standardize IT, GRC, and Finance workflows immediately. SmartSuite also offers transparent per-user pricing, accessible via a strong permanent free plan, which 20NINE simply cannot match. Deciding factors include transparency and compliance. SmartSuite publishes its pricing and confirms SOC 2 and HIPAA security certifications. 20NINE requires expensive custom consultation and reveals zero immediate security details. Choose SmartSuite if you need scalable operational excellence, clear costs, and robust internal controls. Select 20NINE only if your mandate is highly specific B2B financial infrastructure deployment in emerging, cash-based economies.
Frequently Asked Questions
Which tool is better for managing my organization's internal compliance and GRC workflows?
SmartSuite is explicitly built to handle GRC, IT incident management, and audit-ready records. It features SOC 2 Type II and HIPAA compliance for sensitive workflows. 20NINE focuses on external financial mechanisms, not internal organizational compliance tracking.
How does 20NINE's pricing compare to SmartSuite's transparent tiers?
SmartSuite offers transparent, tiered pricing starting with a permanent free plan and paid tiers from $12/user/month. 20NINE operates strictly on custom, non-public enterprise contracts. Budget clarity is significantly better with SmartSuite.
Does 20NINE offer a free trial like SmartSuite?
SmartSuite offers a 14-day free trial that requires no credit card. 20NINE does not publicly offer a trial or pilot program. Interested parties must contact the 20NINE sales team directly to discuss testing.
Which platform offers better internal business automation capabilities?
SmartSuite offers powerful internal automation using triggers, webhooks, and AI functions. Its engine manages task assignments and IT escalations efficiently. 20NINE's automation is limited to facilitating digital mobile payments and transactions for end-users.
Which tool is designed for specialized B2B financial infrastructure deployment?
20NINE is explicitly designed for this specific infrastructure requirement. It provides AI credit scoring and digital payment solutions tailored for large financial systems. SmartSuite is a business productivity solution and does not offer financial technology infrastructure.
Can I integrate 20NINE with other business apps like Zapier?
SmartSuite connects to over 6,000 apps via Zapier and Make, specializing in broad integration capability. 20NINE’s integration focus is proprietary and centered on banking or mobile POS networks.
Ready to Choose?
Both tools have their strengths. Choose based on your specific needs.