Jack Henry & Associates

Payrailz, LLC is a digital payments company that provides innovative bill payment and money transfer solutions specifically designed for the financial services sector, including banks and credit unions. Founded in 2016 and based in Glastonbury, Connecticut, Payrailz offers a range of products such as Smart Pay, an AI-driven electronic bill presentment and payment solution; Bill Pay, which allows users to view billing information and choose various payment delivery times; and Person Pay, a feature that facilitates electronic money transfers among individuals. The company's platform utilizes advanced technologies, including artificial intelligence, security measures, and cloud-based software, to enhance payment experiences across online, mobile, and voice-enabled channels.

Founded in 2015 by Pavleen Thukral, Omar Esposito, and Allen Nance, Stackfolio is an Atlanta-based fintech startup that developed an online loan trading platform for financial institutions. The platform integrates a data research tool that provides tailored recommendations through machine learning, enabling banks to make informed trading decisions on a national level. By facilitating loan trading among financial institutions, Stackfolio enhances the efficiency and sophistication of the trading process, allowing its users to access comprehensive data and transaction simulations to support their decision-making.

Digital Onboarding Inc. develops a software-as-a-service (SaaS) platform aimed at simplifying the new account activation process for banks and credit unions. Founded in 2015 and based in Boston, Massachusetts, the company offers an automated onboarding solution that enhances customer engagement by providing tools for seamless communication across multiple channels. Its platform facilitates the adoption of account-related services such as direct deposit and online bill pay by sending personalized email and SMS reminders that guide users through their financial journey. This approach not only improves activation rates but also helps financial institutions foster stronger, more profitable relationships with their customers and members. Digital Onboarding was previously known as Salesbrief Inc. before its rebranding in 2017.

Geezeo.com is a financial technology firm that enhances digital banking experiences through its white label financial management solutions. The company processes, augments, and stores billions of transactions, serving as a vital data partner for financial institutions. By integrating its platform into online banking and mobile applications, Geezeo provides relevant insights that improve user experience and customer engagement. Its offerings include features such as API, responsive tiles, and smart ad tiles, allowing institutions to create customized digital banking environments. With over 500 clients and more than 7 million users, Geezeo is dedicated to helping financial institutions better understand customer information and support users in achieving their financial goals.

BOLTS Technologies, founded in 2014 and based in Bethlehem, Pennsylvania, specializes in developing boltsOPEN, an advanced digital account opening solution aimed at enhancing the efficiency of community banks and credit unions. The company focuses on streamlining business processes by integrating technology with user-friendly design, allowing customers to open new accounts quickly and easily across various devices. Its system incorporates robust identity verification processes, including compliance checks and customer identification protocols, ensuring a secure and efficient account opening experience for both existing and prospective clients.

Agiletics, Inc. is a specialty banking software firm that focuses on providing escrow, investment, and liquidity management solutions tailored for commercial banks. Established in 1987 and headquartered in Longwood, Florida, Agiletics develops a suite of modular banking applications designed to enhance customer liquidity and investment management. These applications are integrated with core banking systems, facilitating functionalities such as investments, fund sweeps, and automated borrowing. The company's commitment to high-quality software and comprehensive support reflects its extensive experience in the banking sector. As of October 2018, Agiletics operates as a subsidiary of Jack Henry & Associates, further strengthening its position in the industry.

Ensenta Corporation, established in 2001 and headquartered in Redwood Shores, California, specializes in providing financial self-service solutions to banks and credit unions. The company offers a range of innovative SaaS products, including EZ Admin, a back office and risk assessment platform that enables financial institutions to monitor and process transactions from various sources such as kiosks, ATMs, and mobile devices. Additionally, Ensenta's Multi-Check Mobile solution allows businesses to deposit multiple checks simultaneously using smartphones or tablets. With a focus on enhancing payment technologies, Ensenta's systems aim to mitigate risk, reduce compliance exposure, and improve operational efficiencies. The company's patented technologies are utilized by over 1,000 financial institutions and government agencies, and its products are trusted by the U.S. Treasury and distributed through leading banking providers and processors. As of December 2017, Ensenta operates as a subsidiary of Jack Henry & Associates, Inc.

Vanguard Software Group, LLC is a Florida-based financial technology company that specializes in developing software for the underwriting, spreading, and online decision-making processes of commercial loans. Founded in 2005 and operating as a subsidiary of ProfitStars, Inc. since 2017, Vanguard Software Group provides a suite of solutions that includes asset liability management, budget and financial reporting, current expected credit loss analysis, and card processing. The company focuses on delivering advanced financial risk analysis tools to leading banks, enabling them to proactively identify and manage risks, as well as adapt to market changes that may affect their operations.

Bayside Business Solutions, Inc. specializes in developing portfolio management software tailored for the commercial lending industry, focusing on asset-based lending and factoring. The company offers a range of products, including the CADENCE Framework, which allows finance companies and banks to manage various financial solutions such as asset-based lending, factoring, accounts receivable finance, and purchase order finance within a unified platform. Additionally, it provides CADENCE|Factoring, a dedicated system for factoring professionals, and CADENCE|ABL, which supports the administration of different lending products. Another key offering is FactorSoft Live, designed for medium to large factoring companies to oversee their factoring and A/R finance operations. Bayside also delivers hosted services for its applications and consulting and disaster recovery services. Founded in 1999 and based in Birmingham, Alabama, Bayside Business Solutions has been operating as a subsidiary of ProfitStars, Inc. since July 2015.

Banno, based in Cedar Falls, Iowa, specializes in providing solutions for financial institutions aimed at leveraging behavior-driven banking data to enhance growth and customer retention. The company offers a range of services, including websites powered by Banno.com, mobile banking, account aggregation, and enriched transaction capabilities. By analyzing anonymized customer data, Banno enables financial institutions to perform segmented customer analysis, which supports the development of targeted and actionable product offerings.

iPay Technologies specializes in providing online bill payment solutions to financial institutions across the United States. With a client base that includes over half of the nation's credit unions and nearly 40 percent of community banks, iPay Technologies is a leading provider in the bill payment sector. The company offers a comprehensive suite of services, including user interface design, database management, payment remittance, payment research, and payee management. Its innovative software solutions are designed to help banks and credit unions attract, retain, and grow their most profitable customers. iPay Technologies has been recognized for its performance in the industry, reflecting its commitment to delivering quality service and effective solutions to both individuals and financial entities.

JHA Payment Processing Solutions specializes in delivering a wide range of innovative payment services tailored for the financial industry. Their offerings include credit and debit signature processing, PIN-based processing, ATM services, cardholder award programs, and comprehensive fraud detection and prevention solutions. The company also provides personalized cards and prepaid card programs, enabling financial institutions to enhance their service offerings. By outsourcing payment processing to JHA, clients can concentrate more on serving their members, while the company's commitment to service and flexibility helps customers meet their strategic objectives efficiently.

Goldleaf Financial Solutions, Inc. offers a comprehensive range of integrated technology and payment solutions tailored for financial institutions both in the United States and internationally. Their product suite includes Internet-based ACH origination and processing solutions, an accounts receivable financing management portal, and tools for asset-based lenders to monitor collateral quality. Additionally, Goldleaf provides programs that help banks expand their portfolios, generate fee income, and increase deposits. The company also specializes in item processing, check imaging solutions, and software for various data processing applications, including loan and deposit operations and financial reporting. Founded in 1990 and based in Norcross, Georgia, Goldleaf Financial Solutions was formerly known as Private Business, Inc. and adopted its current name in 2006. It has been a subsidiary of Jack Henry & Associates since 2009.

AudioTel Corporation is a developer of software tailored for financial institutions, focusing on solutions that enhance both back office and retail banking operations. The company provides a comprehensive suite of products that includes item processing, imaging, remittance services, document management, and various banking solutions such as Internet and telephone banking. Additionally, AudioTel offers services related to website design and hosting, addressing the diverse challenges faced by financial entities in today's digital landscape.

Gladiator Technology Services, Inc. specializes in providing managed internet and network security services primarily for financial institutions in the United States. The company offers a range of services, including firewall monitoring and management, network and server intrusion prevention, email filtering and encryption, and server vulnerability scanning. Additionally, Gladiator provides consulting services such as vulnerability assessments, penetration testing, and comprehensive security assessments. By delivering these services, Gladiator Technology Services enables financial institutions to proactively protect their information and transaction processing systems while ensuring compliance with federal regulatory standards.

US Banking Alliance provider of software solutions and advisory services that enable diverse financial institutions to develop more profitable pricing for loan and deposit products, and to ultimately implement long-term financial management processes and specific strategies.

Profitstar is a leading provider of financial management solutions that enable diverse banks and credit unions to better manage and maximize their performance. The PROFITstar(R) asset/liability management and budgeting system, and the PROFITability(R) system are Profitstar's flagship products.

Tangent Analytics, LLC is a provider of integrated business intelligence solutions, specializing in software that helps businesses retrieve, analyze, transform, and report data for financial and operational analysis. The company's flagship product, BI Navigator, is a web-based framework that connects enterprise systems with external information sources, enabling clients to make informed decisions more efficiently. In addition to BI Navigator, Tangent Analytics offers a range of analytic applications that deliver targeted insights in various areas, including sales and marketing analytics, performance measurement, financial management, and operations analytics. The company primarily serves clients in the financial services and manufacturing sectors across the United States and Canada. Founded in 1999, Tangent Analytics is headquartered in Winston-Salem, North Carolina.

As of January 5, 2005, RPM Intelligence, LLC was acquired by Jack Henry & Associates, Inc. RPM Intelligence, LLC, doing business as Stratika Development and Consulting Services, operates as a software consulting company. It offers Oracle and Microsoft development and consulting solutions for database administration, application development, data warehousing, business intelligence, Web development, and e-Business solutions. The company was founded in 1998 and is based in Minneapolis, Minnesota.

As of Dec 20, 2004, TWS Systems, Inc. was acquired by Jack Henry & Associates, Inc. TWS Systems, Inc. delivers transaction processing systems and fraud prevention tools to financial institutions in North America. The company was founded in 1981 and is based in Clearwater, Florida.

Optinfo Inc. is a technology solutions provider focused on the financial services sector. Founded in 1989 and based in Charlotte, North Carolina, the company specializes in software products that assist financial institutions in managing operational risks. Its offerings include an exception management suite designed for reconciliation and exception processing, which enables clients to effectively handle various data elements. By bridging the gap between legacy systems and modern business processes, Optinfo helps organizations streamline their operations and enhance data integrity. In 2004, Optinfo was acquired by Jack Henry & Associates, further expanding its reach within the financial technology landscape.

As of October 4, 2004 Verinex Technologies, Inc. was acquired by Jack Henry & Associates Inc. Verinex Technologies, Inc. develops biometric security solutions. The company’s product, Biodentify, provides fingerprint authentication solutions including logon, workstation locking, data encryption, single sign-on, and administration and management. It caters to healthcare, financial institutes, point-of-sale retailers, and e-commerce sectors. The company was incorporated in 2000 and is based in Lake Forest, California.

Select Payment Processing, Inc. provides electronic check processing solutions for financial institutions, third-party payment processors, government entities, utility companies, and merchants. The company offers recurring check payments, Point-of-Purchase Check Conversion (POP), Accounts Receivable Check conversion (ARC), electronic image storage, and email notification solutions.

Banc Insurance Service is a provider of turnkey insurance agency solutions for financial institutions.

National Bancorp Data Services provides item capture and check imaging services for 14 banks.

CU Solutions is a provider of in-house data processing solutions for smaller credit unions and offers scalable, open architecture software solutions for credit agencies.

Transcend Systems Group is a leading developer of sales management and customer relationship management (CRM) software based in Sioux Falls, South Dakota. The company specializes in providing financial institutions with tools designed to enhance both new and existing customer relationships, ultimately increasing profitability and improving customer service. Its software solutions offer comprehensive data and features for cross-selling, customer tracking, sales management, incentive compensation, profitability analysis, and customer satisfaction improvements. By focusing on these areas, Transcend Systems Group aims to support financial institutions in optimizing their sales processes and enhancing overall customer engagement.

Symitar Systems, Inc., established in 1984 and headquartered in San Diego, California, specializes in providing information processing solutions tailored to U.S. credit unions. The company's core offerings include core processing platforms like Episys and CruiseNet, along with consultancy services such as SymAdvisor and SymXchange. Additionally, Symitar provides a range of supplementary technology products and services, encompassing retail delivery solutions, electronic payments, information security tools, business intelligence, and training services. As of 2004, Symitar operates as a subsidiary of Jack Henry & Associates Inc.

Sys-Tech, Inc. is a wholesaler of electronic parts and equipment, relays and accessories, circuit protection devices and accessories, electrical hardware and supplies and more.

BancData Solutions is a co-operative data center providing core data processing and item capture for 22 community banks.

Vertex, Inc. is a tax technology company that provides comprehensive tax solutions for corporations across various industries, including retail, leasing, communication, and manufacturing, both in the United States and internationally. Founded in 1978 and headquartered in King of Prussia, Pennsylvania, Vertex specializes in tax determination, compliance and reporting, tax data management, and document management. The company offers its software products through both software licenses and software as a service subscriptions, along with implementation and training services. Additionally, Vertex provides transaction tax returns outsourcing and other tax-related services, enabling businesses to effectively manage their tax obligations and streamline operations.

Liberty Banking Services is a service bureau serving 13 banks in the Denver, Colorado area.