We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.
We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.
We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.
We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.
We empower businesses to expedite payments processing, improve cash flow, and manage financials with industry-leading technology.
Playing to Win: Helping Financial Institutions Capitalize on Ecosystem Disruption
We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.
Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.
Competing for business accountholders in today's environment requires a whole new strategy.
Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.
There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.
Effectively managing enterprise risk has become more complex and challenging than ever.
Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.
Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?
Future of Digital Banking
Read MoreFintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy
Read MoreSuccess Has a Low Efficiency Ratio
Read MoreInformation Security and Risk Management: Trends and Threats
Read MoreAll-Digital Lending Capabilities | Multiple Loan Types
Read MoreMeet Jack Henry Financial Crimes Defender
Read MoreThe Really Big Small Business Opportunity
Read More6 Tips for How to Improve the Customer & Member Experience (CX)
Read More7 Things to Improve Your Accountholders' Financial Health
Read MoreOur advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.
People are at the center of everything we do – and it starts with our associates.
We are always looking for talented professionals to join our team. Explore open opportunities.
Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.
We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.
Our Purpose and Mission
The Strategic Case for Financial Health
We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.
We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.
We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.
We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.
We empower businesses to expedite payments processing, improve cash flow, and manage financials with industry-leading technology.
Playing to Win: Helping Financial Institutions Capitalize on Ecosystem Disruption
We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.
Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.
Competing for business accountholders in today's environment requires a whole new strategy.
Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.
There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.
Effectively managing enterprise risk has become more complex and challenging than ever.
Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.
Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?
Our advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.
People are at the center of everything we do – and it starts with our associates.
We are always looking for talented professionals to join our team. Explore open opportunities.
Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.
We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.
Our Purpose and Mission
Find everything you may need to support your financial institution.
Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.
The Strategic Case for Financial Health
Future of Digital Banking
Read MoreFintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy
Read MoreInformation Security and Risk Management: Trends and Threats
Read MoreAll-Digital Lending Capabilities | Multiple Loan Types
Read MoreMeet Jack Henry Financial Crimes Defender
Read MoreThe Really Big Small Business Opportunity
Read More6 Tips for How to Improve the Customer & Member Experience (CX)
Read More7 Things to Improve Your Accountholders' Financial Health
Read MoreQuick poll: how many financial providers do you use?
If you answered 30 to 40, you’re right in line with today’s Gen Z or Millennial couples. It’s a figure that sounds shocking at first, especially to those of us who’ve been around the financial services industry for some time. But, as Ron Shevlin said recently, “In our quest for more convenience in our financial lives, our financial lives have become more complex to manage.”
Back when I was new to the industry and working on the teller line, I never would’ve believed it possible. Banking technology was younger then. I kept my adding machine tapes on a spindle and balanced my drawer by hand, using pencil and paper.
Digital banking (or online banking as it was known back then) was relatively new, and I was obsessed. What was this thing that allowed me to pay my bills without writing out a check or remembering to buy stamps and envelopes? To check my balance any time of day or night?
Fast-forward a bit and suddenly, app-based banking appears. At the time, it was pure magic, and clearly could only continue to simplify my life. But according to Shevlin (and after reviewing the apps on my phone), that’s not how things have panned out.
With digital apps and 24/7 access to all manners of financial information or transactions at the tips of our fingers, Americans are increasingly transacting outside the four walls of the branch.
So, what does this mean for banks and credit unions? It means it’s time to leverage open banking and a unified digital banking platform to simplify the experience, and put your accountholders back in the center of the banking experience.
Embedding In Versus Embedding Out
Many banks and credit unions still equate open banking with sharing their banking charter and regulated rails with big techs and fintechs. Those organizations are embedding out – making use of an outside app to gather depositors or process payments, while removing themselves from any actual relationship with the accountholder.
Embedding in, on the other hand, allows banks and credit unions to curate the best partners and experiences for their accountholders and make them available through their native digital banking interface. Through the use of open APIs, embedding in is a fast, easy, and inexpensive way to bring the functionality your accountholders are seeking outside of your app into a single, unified experience.
Banks and credit unions seeking to retain first-app status might consider embedding functionality like:
Through the use of publicly available open APIs and digital banking platforms built using industry-standard programming, it can be easy and inexpensive for banks and credit unions to add these capabilities for their accountholders. Look for platforms that allow your organization to embed in the fintech solution of your choice or develop your own solutions using in-house talent or contracted developers. Looking for an even lighter lift? Check in with your digital banking provider to learn about integrations that are already available or may have come online since you first launched digital banking.
Today’s app-based, digital-first world may not have simplified our lives in the way I imagined back in the early days of my banking career. But banks and credit unions can still seize the opportunity to improve the accountholder experience by thoughtfully embedding in the tools and features that will keep their accountholders coming back for more.
Need some inspiration on how to get started? Check out how Simmons Bank customized their digital experience using the Banno Digital ToolkitSM or check out the on-demand replay of Unlocking the Banno Digital Toolkit for Embedded Fintech.
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