Jack Henry

Give accountholders convenient, personalized digital banking experiences while helping financial institutions connect services and adapt to changing needs.

Helps financial institutions and businesses address payment needs with capabilities across payment channels and types.

Move money swiftly while benefiting from advanced security.

Helps financial institutions address operational needs across platforms, integrations, branches, data, financial operations, and professional services.

Helps financial institutions address cybersecurity, infrastructure, and disaster preparedness needs.

Helps financial institutions originate accounts and support lending across multiple loan types, including loan servicing.

Helps financial institutions address financial crime and fraud threats with financial-crimes and digital security capabilities.

Helps financial institutions support business banking and commercial finance needs.

Understand relationship profitability and deliver relevant engagement to help financial institutions grow customer and member relationships.

Helps financial institutions support consumer and business accountholder financial health while protecting their bottom lines.

Digital Banking

Jack Henry’s digital banking offerings help financial institutions serve accountholders through online and mobile channels. The portfolio includes the Banno Digital Platform, add-ons, open banking integration, account origination, and web solutions. Capabilities include personalized experiences, consistent cross-channel interactions, real-time account information, digital onboarding, and connections to fintech partners through open APIs and flexible integration frameworks. The platform is described as supporting growth, operational automation, security, and compliance.

• Access Banking Online And On Mobile
  Accountholders can use digital channels as a primary gateway to their financial institution.
• Deliver More Relevant Experiences
  Use insights and engagement across digital interactions to present content, offers, and recommendations relevant to accountholders.
• Connect Fintech Partners And Services
  Connect digital banking with third-party providers and services through open APIs and flexible integration frameworks.
• Connect Experiences Across Channels
  Help make interactions across websites and digital banking more connected, consistent, and useful to accountholders.
• View Account Information In Real Time
  Give accountholders access to current account information through their digital banking experience.
• Simplify Digital Account Opening
  Support account opening through digital channels with a smoother application experience for prospective accountholders.
• Adapt And Scale Digital Services
  Support growth in accountholders and transaction volumes while adapting services to changing business needs.
• Strengthen Digital Banking Security
  Support security and compliance with the platform capabilities described, including authentication, fraud monitoring, encryption, and security updates.
• Automate Routine Platform Tasks
  Reduce manual work by automating routine tasks and streamlining updates and maintenance.
• Extend Digital Banking Capabilities
  Choose from listed add-on offerings to extend the institution’s digital banking solution.
• Support Digital Website Experiences
  Add web solutions to the digital banking portfolio and support relevant website interactions for prospective and existing accountholders.

Payments

Jack Henry’s payments portfolio helps financial institutions simplify payment complexity and develop modern, scalable platforms supporting payment channels and types. It includes Payrailz, instant payments, remote deposit capture, integrated receivables, ACH and card payments, payments analytics, hosted online payments for businesses, wires, embedded payments, credit and debit transaction processing, ATM driving, and business payment solutions. Business payment technology is described as helping businesses expedite payment processing, improve cash flow, and manage financials.

Category: Payment Processing Software

• Support Diverse Payment Needs
  A scalable platform designed to support financial institutions across payment channels and types.
• Improve Business Payment Management
  Help businesses expedite payment processing, improve cash flow, and manage their financials.
• Provide Instant Payment Options
  The portfolio includes instant payments for institutions seeking payment capabilities that support real-time payment demand.
• Serve Businesses With Embedded Payments
  Embedded payment use cases can help financial institutions serve small businesses and explore revenue opportunities.
• Offer ACH Payment Capabilities
  Institutions can include ACH payments in their payments offering.
• Offer Card Payment Capabilities
  Institutions can include card payments in their payments offering.
• Process Payments Online
  Businesses can access hosted online payment capabilities through the payments portfolio.
• Process Credit Transactions
  The portfolio includes credit transaction processing capabilities.
• Process Debit Transactions
  The portfolio includes debit transaction processing capabilities.
• Offer Payrailz Payment Capabilities
  Financial institutions can explore Payrailz as part of Jack Henry’s payments portfolio.
• Add Remote Deposit Capture
  Institutions can include remote deposit capture among their payment capabilities.
• Add Integrated Receivables
  The portfolio includes integrated receivables capabilities for financial institutions.
• Access Payments Analytics
  The portfolio includes analytics capabilities related to payments.
• Support Wire Payments
  The portfolio includes wire payment capabilities for financial institutions.
• Include ATM Driving Capabilities
  Financial institutions can access ATM driving as part of the payments portfolio.

Jack Henry Rapid Transfers™

Jack Henry Rapid Transfers is a money movement offering described as providing swift transfers with advanced security.

Category: Payment Processing Software

• Move Money Swiftly
  Supports swift money movement for customers.
• Protect Money Movement
  Provides advanced security for money movement.

Operations

Jack Henry’s operations portfolio provides financial institutions with offerings across core platforms, open banking, integrations and customization, ATM, ITM and kiosk services, branch operations, data analytics, imaging, business operations, financial operations, and consulting and professional services. The portfolio includes core technology intended to support institutions’ strategy through agility, data access, and an open ecosystem, as well as branch, data, imaging, and business operations capabilities.

• Advance Strategic Goals
  Use a core technology foundation designed to support institutional strategy, agility, data access, and an open ecosystem.
• Connect And Customize Banking
  Includes open banking, integration, and customization offerings as part of the operations portfolio.
• Support Self-Service Channels
  Offers services in the ATM, ITM, and kiosk categories.
• Streamline Branch Operations
  Supports financial institutions in streamlining branch operations; specific tools and processes are not detailed.
• Use Data Analytics
  Provides data analytics capabilities within Jack Henry’s operations offering.
• Support Business Operations
  Includes business operations capabilities as part of Jack Henry’s operations offering.
• Support Financial Operations
  Includes financial operations offerings for financial institutions.
• Access Consulting And Expertise
  Offers consulting and professional services as part of the operations portfolio.
• Use Imaging Capabilities
  Includes imaging capabilities within Jack Henry’s operations offering.

Information Security and Technology

Jack Henry’s information security and technology offerings for financial institutions span cybersecurity, infrastructure, and disaster preparedness. These areas address security and technology needs, including preparation for potential disruptions. Related cybersecurity guidance covers layered security, threat detection, access controls, endpoint security, data encryption, fraud safeguards, and security education.

• Layer Digital Security Controls
  Combine security tools and practices to help financial institutions detect and prevent fraudulent activity across digital banking platforms.
• Detect Threats In Real Time
  Real-time detection and monitoring help institutions identify potential threats and respond accordingly.
• Verify Risky Digital Activity
  Use additional authentication, activity monitoring, and new-device verification to identify suspicious behavior and help prevent potentially fraudulent digital banking activity.
• Address Cybersecurity Needs
  Provides a cybersecurity offering within Jack Henry’s information security and technology portfolio, with related guidance on measures to protect applications and accountholders.
• Control Access To Systems
  Identity management and access controls help institutions ensure that people have appropriate access to resources.
• Prepare For Disruptions
  Helps financial institutions address disaster preparedness through an offering in Jack Henry’s information security and technology portfolio.
• Protect Connected Endpoints
  Endpoint security is presented as a way to address vulnerabilities involving devices and remote environments.
• Strengthen Data Protection
  Data encryption can help institutions protect sensitive information.
• Educate Users About Threats
  Ongoing education helps accountholders and staff recognize common scams and potential compromise attempts.
• Address Infrastructure Needs
  Provides an infrastructure offering within Jack Henry’s broader information security and technology portfolio.

Lending and Deposits

Jack Henry’s lending and deposits offerings provide financial institutions with account origination, loan solutions, and servicing. The portfolio also includes all-digital lending capabilities for multiple loan types. Account origination information describes digital tools intended to make applications quicker and more intuitive, with responsive mobile and desktop experiences and less effort required to complete forms.

• Make Account Opening Easier
  A quick, intuitive digital application experience helps prospects take the next step toward opening an account.
• Support Loan Servicing
  Access loan solutions and servicing capabilities as part of Jack Henry’s lending and deposits offering.
• Originate Accounts
  Support account origination through Jack Henry’s offering for financial institutions.
• Reduce Application Effort
  Fewer unnecessary questions and pre-filled form fields can make applications easier to complete.
• Support Multiple Loan Types
  Provides all-digital lending capabilities across multiple loan types.
• Support Mobile And Desktop Applications
  Responsive design helps provide an account-opening experience that works on mobile devices and desktop computers.

Financial Crimes and Fraud Risk

Jack Henry’s financial crimes and fraud risk offering supports financial institutions addressing financial crime and fraud threats. It includes a Financial Crimes category and is associated with Jack Henry Financial Crimes Defender. Related digital banking security content describes controls for monitoring activity, identifying unusual behavior, authenticating users and devices, and blocking high-risk actions. The supplied product information does not provide further capabilities for Financial Crimes Defender.

• Address Financial Crime And Fraud Risk
  Gives financial institutions an offering focused on financial crimes and fraud risk, with Financial Crimes Defender identified as a related Jack Henry product.
• Monitor Transactions And Flag Suspicious Activity
  Helps institutions respond to potentially fraudulent transactions in real time by blocking suspicious activity or requiring additional authentication.
• Identify Unusual User Behavior
  Analyze end-user activity with AI and machine learning to help identify behavior that may signal fraudulent activity.
• Verify Users With Two Authentication Factors
  Adds an identity-check step at login or during high-risk actions by requiring two forms of identification.
• Verify New Devices Before High-Risk Actions
  Helps safeguard accounts by requiring verification or institutional approval before a newly added device can perform high-risk actions.

Commercial Banking

Jack Henry’s commercial banking offerings for financial institutions include business banking and commercial finance. Business-focused technology is described as helping businesses expedite payment processing, improve cash flow, and manage financials.

• Support Business Banking
  Provides a business banking offering as part of the Commercial Banking portfolio, with related technology supporting payment processing, cash flow, and financial management.
• Expedite Payment Processing
  Helps businesses move payment processing along more quickly.
• Improve Cash Flow
  Supports businesses in improving their cash flow.
• Offer Commercial Finance
  Provides financial institutions with a commercial finance offering as part of the Commercial Banking portfolio.
• Manage Business Finances
  Helps businesses manage their financials.

Customer and Member Relationships

Jack Henry solutions help financial institutions understand and manage customer and member relationships. Relationship profitability analysis can provide decision-makers and frontline staff with risk-adjusted income statements for loans, deposits, and service accounts to support relationship management and strategic pricing. Connected behavioral and relationship data can inform relevant engagement, help institutions identify customer interests, guide product discovery, and deepen relationships.

Category: CRM Software

• Assess Relationship Profitability
  Use risk-adjusted income statements across loans, deposits, and service accounts to understand relationship profitability and support informed relationship management.
• Price New Business Strategically
  Use relationship profitability data to inform pricing for new business and account for the value of the broader customer relationship.
• Focus On High-Value Relationships
  Use profitability insights to identify high-value customers and members and focus relationship-building efforts on retaining and growing those relationships.
• Deliver More Relevant Engagement
  Use connected behavioral and relationship insights to make interactions, product recommendations, and offers more relevant to prospective and existing accountholders.

Financial Health

Jack Henry’s financial health offering focuses on helping financial institutions empower the financial health of their consumer and business accountholders. The company positions this work as a way to help protect institutions’ bottom lines.

• Empower Accountholder Financial Health
  Helps financial institutions support the financial health of consumer and business accountholders, an effort Jack Henry connects to protecting the institution’s bottom line.