Contact Us
banks-icon
Banks

We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.

 credit unions icon
Credit Unions

We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.

 de novo banks icon
De Novo Banks

We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.

 fintechs-icon
Fintechs

We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.
See All
Industry Challenges

Playing to Win: Helping Financial Institutions Capitalize on Ecosystem Disruption

Read More
People-Inspired Innovation

We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.

Empower Accountholder Financial Health

Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.
Attract and Grow Commercial Accountholders

Competing for business accountholders in today's environment requires a whole new strategy.
Operate More Efficiently

Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.
Overcome Revenue Challenges

There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.

Reduce Risk and Fraud

Effectively managing enterprise risk has become more complex and challenging than ever.
Improve the Accountholder Experience

Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.
See All

Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?

Read More
Digital Banking
Payments
Operations
Information Security & Technology
Lending
Financial Crimes & Fraud Risk
Commercial Banking
Customer & Member Relationships
Financial Health
See All
Digital Banking
See Overview

Future of Digital Banking

Read More
Payments
See Overview

Fintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy

Read More
Operations
See Overview

Success Has a Low Efficiency Ratio

Read More
Information Security & Technology
See Overview

Information Security and Risk Management: Trends and Threats

Read More
Lending
See Overview

All-Digital Lending Capabilities | Multiple Loan Types

Read More
Financial Crimes & Fraud Risk
See Overview

Meet Jack Henry Financial Crimes Defender

Read More
Commercial Banking
See Overview

The Really Big Small Business Opportunity

Read More
Customer & Member Relationships
See Overview

6 Tips for How to Improve the Customer & Member Experience (CX)

Read More
Financial Health
See Overview

7 Things to Improve Your Accountholders' Financial Health

Read More
We Are An Advocate for You

Our advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.
Our People

People are at the center of everything we do – and it starts with our associates.
Join Jack Henry™

We are always looking for talented professionals to join our team. Explore open opportunities.
Sustainability

Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.
Investor Relations

We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.

See All

Our Purpose and Mission

Read More
Resource Hub

Find everything you may need to support your financial institution.
Blog

Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.
Events
News
For Developers
For Designers
Investor Relations

The Strategic Case for Financial Health

Read More
What We Offer
search icon
exit icon
banks-icon
Banks

We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.

 credit unions icon
Credit Unions

We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.

 de novo banks icon
De Novo Banks

We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.

 fintechs-icon
Fintechs

We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.
See All
Industry Challenges

Playing to Win: Helping Financial Institutions Capitalize on Ecosystem Disruption

Read More
People-Inspired Innovation

We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.

Empower Accountholder Financial Health

Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.
Attract and Grow Commercial Accountholders

Competing for business accountholders in today's environment requires a whole new strategy.
Operate More Efficiently

Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.
Overcome Revenue Challenges

There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.

Reduce Risk and Fraud

Effectively managing enterprise risk has become more complex and challenging than ever.
Improve the Accountholder Experience

Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.
See All

Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?

Read More
Digital Banking
Payments
Operations
Information Security & Technology
Lending
Financial Crimes & Fraud Risk
Commercial Banking
Customer & Member Relationships
Financial Health
See All
We Are An Advocate for You

Our advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.
Our People

People are at the center of everything we do – and it starts with our associates.
Join Jack Henry™

We are always looking for talented professionals to join our team. Explore open opportunities.
Sustainability

Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.
Investor Relations

We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.

See All

Our Purpose and Mission

Read More
Resource Hub

Find everything you may need to support your financial institution.
Blog

Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.
Events
News
For Developers
For Designers
Investor Relations

The Strategic Case for Financial Health

Read More
Digital Banking
See Overview

Future of Digital Banking

Read More
Payments
See Overview

Fintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy

Read More
Operations
See Overview

Success Has a Low Efficiency Ratio

Read More
Information Security & Technology
See Overview

Information Security and Risk Management: Trends and Threats

Read More
Lending
See Overview

All-Digital Lending Capabilities | Multiple Loan Types

Read More
Financial Crimes & Fraud Risk
See Overview

Meet Jack Henry Financial Crimes Defender

Read More
Commercial Banking
See Overview

The Really Big Small Business Opportunity

Read More
Customer & Member Relationships
See Overview

6 Tips for How to Improve the Customer & Member Experience (CX)

Read More
Financial Health
See Overview

7 Things to Improve Your Accountholders' Financial Health

Read More
search close button
Shot of a diverse group of businesspeople having a meeting in an office
Overcoming Revenue Challenges

growing non-interest income means doing some of the basics of banking differently

The New Competitive Landscape Is Putting Traditional Fee Structures at Risk
Non-interest income is declining, and traditional fee structures are at risk as fintechs, big techs, and neobanks change accountholders’ tolerance for fees. Businesses have a much higher tolerance for reasonable fees for important financial management and growth-enabling services like cash management, merchant services, and factoring. But while consumers expect free basic banking services, many are willing to pay for specific services that directly improve their financial well-being and have tangible or perceived value – like premium card rewards, expedited payments, loan origination, or the convenience of using foreign ATMs.

Deposits are at risk too, with fintechs and big techs leveraging Banking as a Service (BaaS) to offer deposit accounts typically with higher interest rates. And deposits are the prerequisite for high-value, revenue-generating services like expedited payments, financial management tools, debit and credit cards, and loans.
Shot of a diverse group of businesspeople having a meeting in an office

charging excessive fees is the number one reason consumers switched financial institutions last year

Even in Today’s Challenging Environment, There Are Abundant Opportunities to Grow Non-Interest Income without Charging Unreasonable Fees
Ironically, technology is at the epicenter of many of today’s revenue challenges – technology enabled the rise of the fierce new competitors and set the digital expectations for financial interactions and transactions. But technology is also the solution for forward-thinking banks and credit unions.
Banks and credit unions that strategically respond to today’s revenue challenges need to diversify their revenue streams by offering the high-demand, value-added services that businesses and people are willing to pay reasonable, competitive fees to use. 
 
Jack Henry™ is uniquely positioned with the technology that will help you respond to today’s daunting revenue challenges by maximizing non-interest revenue opportunities and ultimately achieving your near- and long-term financial performance.

how we help

Generate non-interest income opportunities with digital lending solutions that offer tangible and perceived value to your commercial accountholders.

Meet the Demand for Faster Payments

Compete with fintechs and big techs by enabling businesses to send and receive money in their exact moment of need.

Empower Businesses with Digital Check Deposits

Enable businesses and merchants to make anytime, anywhere deposits that expedite funds availability, improve cash flow, and increase security.

Expedite Bill Payments and Receivables

Enable businesses to make digital bill payments, to accept online payments and donations, and to present customers with convenient, cost-effective electronic bill and invoice data.

Generate Material Interchange Income with Competitive Commercial Credit Card Programs

Launch new credit programs or elevate existing programs to top-of-mind, -wallet, and -app and maximize interchange income by modernizing your card strategies and technology.

Originate and Process Reliable, Cost-Effective ACH Transactions

Significantly reduce the number of check payments businesses must process while providing their customers seamless one-time, recurring, and subscription ACH payments.

Support the Strong and Growing Demand for Wires

Generate recurring fee income from international and domestic wires that support businesses needing to securely send and receive guaranteed funds in the moment of need.

Help Businesses Grow and Prosper

Safely provide businesses with the working capital they need to grow and increase profits through higher yields and recurring fee income.

Enable Embedded Invoicing

Provide invoicing capabilities for your commercial accountholders within the digital channel.

Generate practical fee income opportunities with high-value solutions consumers are willing to pay for.

Generate Material Recurring Revenue with Competitive Consumer Credit Card Programs

Launch new credit programs or elevate existing ones to top-of-mind, -wallet, and -app and maximize interchange income by modernizing your card strategies and technology.

Generate Recurring Interchange with Top-of-Mind, -Wallet, and -App Debit Card Programs

Maximize interchange income and reduce operating costs by modernizing your debit card strategies and technology.

Support the Strong and Growing Demand for Wires

Generate recurring fee income from international and domestic wires that enable guaranteed funds to be securely sent and received in the moment of need.

Increasing deposits fundamentally increases revenue opportunities.

Meet the Demand for Faster Payments

Increase and defend consumer and commercial deposits by enabling people and businesses to send and receive money in their exact moment of need.

Provide Convenient Digital Check Deposits

Increase deposits, reduce transaction and operating costs, and streamline processes by empowering people and businesses to digitally deposit their checks anytime, anywhere.

Digital Bill Payments

Provide consumer and commercial accountholders with functionally distinct, industry-leading digital pay solutions.

Attract Deposits with Top-of-Mind, -Wallet, and -App Debit Cards

Aggressively compete with traditional and non-traditional competitors by offering modern debit card programs.

Attract Commercial Deposits with State-of-the-Art Receivables Solutions

Enable businesses to reinvent receivables with an integrated platform that consolidates all receivables, payment, and remittance information.

Attract Commercial Deposits with Reliable, Cost-Effective ACH Solutions

Enable businesses to significantly reduce the number of check payments while enabling their customers to make flexible and easy one-time, recurring, and subscription ACH payments.

Digitally Expand Your Market

Generate low-cost deposits by extending your reach beyond your physical footprint with an all-digital brand.

contact us

Learn more about our modern solutions and how we can help maximize non-interest income.

Contact Us