Jack Henry & Associates

Payrailz is a digital payments company that offers advanced bill payment and money transfer solutions to banks and credit unions. Its AI-driven digital payment platform combines with our Paywaze engine deliver smarter payment experiences through online and mobile channels, voice-enabled devices, interactive messaging, and payment bots. The company was founded in 2016 and is headquartered in Glastonbury, Connecticut.

Stackfolio, founded in 2015 by Pavleen Thukral, Omar Esposito, and Allen Nance, is an Atlanta-based fintech startup that specializes in an online loan trading platform. This platform enables banks and financial institutions to engage in national loan trading by providing integrated data research tools that enhance decision-making capabilities. Utilizing machine learning, Stackfolio's platform offers tailored recommendations, full data access, and transaction simulations, facilitating sophisticated trading decisions among financial institutions. The company's innovative approach aims to streamline the loan trading process and improve market efficiency within the financial sector.

Digital Onboarding Inc. is a Boston-based company that specializes in developing a SaaS-based software platform designed to streamline the new account activation process for banks and credit unions. Founded in 2015, the company provides an automated onboarding solution that enhances member engagement and facilitates seamless communication across various channels. Its platform empowers financial institutions to effectively market and educate their customers about products and services, thereby fostering stronger relationships. By enabling the creation of personalized email and SMS reminders, Digital Onboarding encourages customers to adopt essential account-related services such as direct deposit and online bill pay. This approach not only increases activation rates but also helps transform account holders into engaged, profitable relationships, positioning the bank or credit union as the primary financial institution for its members.

Geezeo is a financial technology (Fintech) firm that delivers enriched digital banking experiences via its white label digital financial management solutions. By processing, augmenting and storing billions of transactions, Geezeo plays a significant role as a critical data partner. Purposely integrated within a financial institution's online banking and mobile platforms, financial institutions benefit from Geezeo's relevant insights that enhance the overall user experience.Geezeo has over 500 clients, including Regions Financial. Geezeo has over 7 million users.

BOLTS Technologies, founded in 2014 and headquartered in Bethlehem, Pennsylvania, specializes in the development of boltsOPEN, an advanced digital account opening solution. The company focuses on providing community banks and credit unions with innovative products and services that enhance business processes by integrating people, products, and technologies more effectively. Its account opening system features a modern and responsive design, ensuring an intuitive user experience across various devices. Additionally, BOLTS Technologies incorporates sophisticated identity verification measures, including compliance with OFAC regulations, customer identification programs, and account abuse checks, allowing both existing and prospective account holders to open new accounts in minutes.

Agiletics, Inc. is a specialty banking software firm headquartered in Longwood, Florida, established in 1987. The company specializes in providing escrow, investment, and liquidity management solutions tailored for commercial banks. Agiletics offers a suite of modular banking applications that integrate seamlessly with core banking systems, enabling robust functionality in areas such as investments, fund sweeps, and automated borrowing. With extensive experience in software design, Agiletics is committed to delivering high-quality systems and support that enhance operational efficiency and portability for its clients in the banking sector. As of October 2018, Agiletics operates as a subsidiary of Jack Henry & Associates, Inc.

Ensenta Corporation, established in 2001 and based in Redwood Shores, California, specializes in providing financial self-service solutions to banks and credit unions. The company offers a cloud-based, real-time Software-as-a-Service platform that facilitates mobile and online payments and deposits. Its EZ Admin platform allows financial institutions to monitor and process transactions from various sources, including ATMs, kiosks, and mobile devices, while Multi-Check Mobile enables businesses to deposit multiple checks simultaneously using smartphones or tablets. Ensenta's patented technologies enhance risk mitigation and compliance, streamline back-office operations, and improve funds availability. Trusted by over 1,000 financial institutions and government agencies, Ensenta's solutions are widely distributed through leading mobile banking providers and ATM networks. As of December 2017, Ensenta operates as a subsidiary of Jack Henry & Associates, Inc.

Vanguard Software Group is a multi-featured small team, focused on designing and developing state-of-the-art financial risk analysis software for some of the top banks in the world.

Bayside Business Solutions, Inc. specializes in developing portfolio management software tailored for the commercial lending industry, particularly focusing on asset-based lending and factoring. The company offers a range of products, including the CADENCE Framework, which integrates various financial services such as asset-based lending, factoring, accounts receivable finance, and purchase order finance into a single platform. Its CADENCE|Factoring system is designed for factoring professionals to efficiently manage their operations, while CADENCE|ABL supports the administration of traditional lending products. Additionally, Bayside provides FactorSoft Live, a Windows-compatible platform for medium and large factoring companies, and offers hosted services, consulting, and disaster recovery services. Established in 1999 and based in Birmingham, Alabama, Bayside Business Solutions, Inc. has positioned itself as a key player in the portfolio management sector of the commercial finance industry. As of July 2015, it operates as a subsidiary of ProfitStars, Inc.

Banno, previously known as T8 Webware, is a company based in Cedar Falls, Iowa, that specializes in providing solutions for financial institutions. The company focuses on harnessing behavior-driven banking data to facilitate growth and enhance customer retention. Banno offers a range of services, including websites powered by Banno.com, mobile banking solutions, account aggregation, and enriched transaction analysis. By utilizing anonymized data, Banno enables financial institutions to conduct segmented customer analysis, which can inform actionable product offerings tailored to individual customer needs.

iPay Technologies is a leading provider of online bill payment solutions in the United States, serving a significant number of banks and credit unions. The company offers a comprehensive suite of services, including user interface design, database management, payment remittance, payment research, and payee management. iPay's turnkey solutions are designed to help financial institutions attract, retain, and grow their most profitable customer segments. With a strong presence in the market, iPay serves more than half of the nation's credit unions and nearly 40 percent of community banks, making it a trusted partner for bill payment software. The company has been recognized for its performance in the industry, highlighting its commitment to delivering high-quality service and innovative solutions to both individual and institutional clients.

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. provides a suite of integrated technology and payment solutions to financial institutions in the United States and internationally. It provides Goldleaf, a suite of Internet-based ACH origination and processing solutions; BusinessManager, an Internet portal that enables accounts receivable financing management; LineManager, an information tool that enables asset-based lenders to monitor the activity and quality of the assets that are the collateral for their loans; MedCashManager, a program that enables banks to broaden their portfolio, generate fee income, and increase deposits; and LendingNetwork that facilitates financing from commercial lenders in the industry. The company engages in the provision of item processing and check imaging solutions; credit and fraud insurance solutions; and software and systems for data processing applications such as loan and deposit operations, financial accounting and reporting, and customer information file maintenance. The company was formerly known as Private Business, Inc. and changed its name to Goldleaf Financial Solutions, Inc. in 2006. Goldleaf Financial Solutions was founded in 1990 and is based in Norcross, Georgia. As of October 1, 2009, Goldleaf Financial Solutions, Inc. operates as a subsidiary of Jack Henry & Associates Inc.

AudioTel Corporation is a software developer focused on providing solutions for financial institutions. The company offers a comprehensive suite of products designed to enhance back office and retail banking operations, addressing various challenges faced by these institutions. AudioTel's offerings include integrated solutions for item processing, remittance, imaging, document management, and both Internet and telephone banking. Additionally, the company provides services related to website design and hosting, ensuring that financial institutions can effectively manage their digital presence. Through its innovative software solutions, AudioTel aims to streamline banking processes and improve operational efficiency for its clients.

Gladiator Technology Services, Inc. specializes in providing managed Internet and network security services tailored for financial institutions in the United States. The company offers a comprehensive range of managed services, including firewall monitoring and management, network and server intrusion prevention, an e-shield email solution, and server vulnerability scanning. Additionally, it provides consulting services such as vulnerability assessments, penetration testing, and security assessments. By delivering these technology security services, Gladiator Technology Services enables financial organizations to proactively protect their information and transaction processing infrastructures 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, founded in 1999 and headquartered in Winston-Salem, North Carolina. The company offers the BI Navigator, a comprehensive web-based business intelligence framework that connects enterprise systems with external information sources, enabling clients to access critical insights for informed decision-making. In addition to the BI Navigator, Tangent Analytics develops specialized analytic applications that focus on various domains, including sales and marketing analytics, performance measurement, financial management, operations analytics, and customer relationship management. The company's services primarily cater to financial services and manufacturing sectors across the United States and Canada, helping organizations retrieve, analyze, and report data effectively for business and financial analysis.

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.

As of November 23, 2004, Optinfo Inc. was acquired by Jack Henry & Associates, Inc. Optinfo Inc. provides technology solutions to financial services organizations. Its solutions help the organizations to avoid operational risk. The company offers reconciliation and exception management solutions to remove technology barriers between corporate legacy systems and future-focused business processes. Optinfo Inc. was founded in 1989 and is based in Charlotte, North Carolina.

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 software based in Sioux Falls, South Dakota. The company specializes in providing financial institutions with software solutions that enhance sales management processes, promote relationship building, and improve customer service. Its offerings include tools for tracking customer interactions, cross-selling opportunities, incentive compensation management, profitability analysis, and customer satisfaction enhancement. By focusing on these key areas, Transcend Systems Group aims to increase profitability and strengthen both new and existing relationships for its clients.

Symitar Systems, Inc. provides information processing solutions for credit unions in the United States. The company offers core processing platforms that include Episys, an IBM System p-based solution; CruiseNet, a Windows-based solution built with the .NET technology; SymAdvisor, a consultancy service that helps credit union clients to maximize the value of their Symitar solutions; and SymXchange, a services-based programming interface that enables credit unions and third-party vendor partners to access and personalize data and business rules of the Episys core processing platform. It also provides retail delivery products, online and mobile solutions, electronic payments and imaging solutions, information security and risk management tools, business intelligence and financial performance solutions, and training and consulting services; and a range of supplementary technology products and services. The company was founded in 1984 and is headquartered in San Diego, California. As of September 9, 2004, Symitar Systems, Inc. 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.