search trigger icon
search close button
Accountholder Experience

Decoding Confidence: What Consumers Really Want

Tracy Almquist
Aug 21, 2025

Financial confidence isn’t just a feeling. It’s the foundation that transforms transactions into trust and accountholders into lifelong advocates.

That’s because financial decisions are deeply personal, and often tied to emotional aspirations. In fact, the latest Jack Henry™ Consumer Sentiment Study – available October 2025 – shows that consumers prioritize overall happiness and want to better provide for their families. Yet few describe themselves as risk-takers, revealing a cautious approach to financial growth.

These responses represent the emotional complexity behind financial choices – with each insight telling the story of someone navigating uncertainty, balancing ambition with caution, and striving for a better future.

Understanding this emotional context is key.

It’s no longer enough to offer just products and services. You must meet consumers where they are – not just financially, but emotionally, too. Because when you recognize the human side of money, you don’t just build portfolios. You build confidence – the kind that turns hesitation into action, and accountholders into lifelong advocates.

Beyond Satisfaction: The Demand for Deeper Support

Consumers appreciate the basics, like reporting a lost or stolen card, making payments, and accessing support across channels. But these are no longer differentiators – they’re expectations.

And while many consumers and business owners report general satisfaction with their financial situations, their confidence in navigating specific financial tasks and life events reveals a more complex reality.

Life events – both positive and challenging – are pivotal moments that shape financial behaviors and perceptions. But here’s the thing: while financial institutions perform well during predictable, positive moments, they often fall short in addressing crises.

And that’s where the opportunity lies.

True satisfaction is about creating experiences that feel personal, relevant, and empowering, and showing up when it matters most. By proactively addressing these gaps, you can can build deeper, more loyal relationships and drive engagement with:

  • Content that speaks to real-life moments: Deliever content, messaging, and resources that reflect the real-life experiences of your accountholders – whether they’re celebrating a milestone like a promotion or managing a financial setback.
  • Tools that offer a holistic view of financial health: Provide accountholders with a complete picture of their finances across all financial institutions – helping them make smarter, more confident decisions.
  • A brand identity that stands apart: Stand out in a crowded market with a brand identity that communicates trust, empathy, and innovation.

Meet Your Marketing Ally

At Jack Henry, we believe trust is built through meaningful experiences – not just transactions.

Whether it’s enhancing digital experiences, personalizing content, or supporting financial wellness, we’re here to help you meet your accountholders where they’re at – and where they’re going.

Designed with you in mind, the Jack Henry Marketing Center™ is your strategic alliance in:

  • Building smarter, stronger marketing campaigns that drive real results
  • Deepening relationships, increasing product usage, and boosting engagement
  • Delivering timely, relevant campaigns with ease

From new products to promoting financial wellness, we help you connect more meaningfully with your accountholders through tools that turn everyday interactions into lasting relationships and marketing efforts into meaningful adoption.

Explore the Jack Henry Marketing Center today! Register or log in using your Jack Henry ID.


subscribe to our blog

Stay up to date with the latest people-inspired innovation at Jack Henry.

blog subscription image
floating background gradient

contact us

Learn more about people-inspired innovation at Jack Henry.