Jack Henry & Associates, Inc. · NASDAQ:JKHY
Jack Henry & Associates — Investor Day (2026)
59 slides from Jack Henry & Associates's investor day presentation, 2026
Slide 1: Investor Day FY27
investor day 2026 Investor Day FY27 Keith Fulton culture service innovation strategy execution
Slide 2: 4 Artificial Intelligence Topics Today
4 Artificial Intelligence Topics Today investor day 2026 1. AI Accelerating Product Development 2. AI In Our Products Making Jack Henry Faster, More Helping our Clients get more Competitive Efficient 3. AI/ML , Predictive Analytics 4. Agentic AI Helping Our Clients Grow Using Jack Henry to transform
Slide 3: Focus Area 1
Focus Area 1 investor day 2026 1. AI Accelerating Product Development 2. AI In Our Products Making Jack Henry Faster, More Helping our Clients get more Competitive Efficient 3. AI/ML , Predictive Analytics 4. Agentic AI Helping Our Clients Grow Using Jack Henry to transform Banking culture service i
Slide 4: More than Half of Our Associates Use at Least One AI Tool, Daily
investor day 2026 More than Half of Our Associates Use at Least One AI Tool, Daily Gemini M365 Copilot GitHub Copilot Cursor 3,398 2,014 1,251 840 Licenses Licenses Licenses Licenses 6-month growth: 22% 6-month growth: 155% 6-month growth: 22% 6-month growth: 86% culture service innovation strategy
Slide 5: 90% increase in development velocity
investor day 2026 Results from Early Adopter Product 90% increase in development velocity • One product team – JH Origination • Full development lifecycle AI assisted • 18 months maturing process culture service innovation strategy execution
Slide 6: Developer Productivity Using AI Tools (July 2026)
investor day 2026 Developer Productivity Using AI Tools (July 2026) 4|sight 3.0× iPay 2.0× 4|sight R&D iPay Development DAILY CAPACITY OUTPUT WHAT CHANGED WHAT CHANGED Used Cursor as an agent to work in parallel on Applied an AI-first workflow across development tasks, expanding daily work implement
Slide 7: Developer Productivity Using AI Tools (July 2026)
investor day 2026 Developer Productivity Using AI Tools (July 2026) iPay/Payrailz Modernization 9.6× Payments R&D Upgraded API/s per month WHAT CHANGED Produced a set of AI agents for capturing requirements from existing code, translating that code into a new architecture, and testing the code based
Slide 8: A word on Tokenomics
A word on Tokenomics investor day 2026 • We are closely tracking costs and value • We budgeted for meaningful increases in our AI licensing and token costs, YoY in FY27 • We actively manage the mix of models and tools our people use • No culture of “token maxxing” at JH culture service innovation st
Slide 9: Focus Area 2
Focus Area 2 investor day 2026 1. AI Accelerating Product Development 2. AI In Our Products Making Jack Henry Faster, More Helping our Clients get more Competitive Efficient 3. AI/ML , Predictive Analytics 4. Agentic AI Helping Our Clients Grow Using Jack Henry to transform Banking culture service i
Slide 10: Injecting AI Features into our Products
Injecting AI Features into our Products investor day 2026 • We are adding AI accelerators and augmentations into the products we already sell. • Broad across portfolio • Not just next gen platform • Not just cores • A number of these will be hitting the market in the next 6 months. culture service i
Slide 11: FCD SAR Narratives
investor day 2026 FCD SAR Narratives Drafting the essay for the investigator culture service innovation strategy execution 11
Slide 12: Closed Beta with Clients Today
Closed Beta with 5 Clients Today investor day 2026 Clients using AI Assist with SAR Narratives are seeing dramatic results. Total SARs filed in 2025 in America: 4.1 million.* *https://www.forvismazars.us/forsights/2026/03/suspicious-activity-report-sar-filings-hit-record-in-2025 culture service inno
Slide 13: JHA Analytics
JHA Analytics investor day 2026 culture service innovation strategy execution 14 14
Slide 14: LoanVantage
investor day 2026 LoanVantage Autogenerate the credit narrative culture service innovation strategy execution 16
Slide 15: Closed Beta Availability Summary
Closed Beta Availability Summary investor day 2026 Product July August Sept Oct Nov Dec Jan FCD SAR Narratives ★ FCD OFAC Screening AI ★ PowerOn Advisor Agent ★ 4|Sight Web Research ★ Synergy Intelligent Document Recognition ★ 4|Sight Search Helper ★ LoanVantage Credit Narratives ★ JHA Analytics Cha
Slide 16: How about something entirely new though?
How about something entirely new though? investor day 2026 • Remember this injector? • We’ve built a really nice piece of software for this • It allows any team to use AI models much more easily and securely • We’re going to sell Injectors to our clients culture service innovation strategy execution
Slide 17: The Jack Henry AI Fabric Gateway
The Jack Henry AI Fabric Gateway investor day 2026 Simple, Easy Prompt & PII RAG, MCP, A2A API’s Protection capabilities out of the box Get quick, safe access to frontier Safety and Privacy of the client’s Fancy technical capabilities that models with a simple RESTful API data is paramount. only IT
Slide 18: The Vibe Coding Problem
The Vibe Coding Problem investor day 2026 • Vibe Coding by non-programmers is amazing. • Jack Henry is embracing it, and has over 100 vibe-coded applications that we know of so far. • They can easily get out of control! Not secure. Not tracked. Only on one person’s laptop, etc. Anyone remember MS Ac
Slide 19: Solution: Introducing the Garage
Solution: Introducing the Garage investor day 2026 • Jack Henry itself was started in an engine repair shop • We built the Garage for ourselves, as part of the AI Fabric, to make vibe coded apps “enterprise ready” • Now we can open up the Garage for our customers to vibe code their own apps • Unleas
Slide 20: Problem: AI Sovereignty
Problem: AI Sovereignty investor day 2026 • The more our clients use AI, the more they are handing their data to OpenAI or Anthropic, etc. • Some of this data is extremely private or sensitive. • Business strategies • OFAC matches • Non-performing loans • We are already trusted by our clients to hol
Slide 21: Solution: Introducing the Jack Henry Model Enclave
Solution: Introducing the Jack Henry Model investor day 2026 Enclave • We will run open-source AI models ourselves • On our hardware, or in our cloud tenant, with our encryption keys • Absolute trust. Absolute privacy. • Hyperscalers will have no access. culture service innovation strategy execution
Slide 22: AI Consulting Services
AI Consulting Services investor day 2026 Four modular service areas — choose what you need, and we adapt to your priorities. Delivered through your existing Jack Henry Bank & Credit Union consulting relationship 1 2 3 4 Technology Board Governance & Adoption Consulting on Services Policy Coaching AI
Slide 23: Focus Area 3
Focus Area 3 investor day 2026 1. AI Accelerating Product Development 2. AI In Our Products Making Jack Henry Faster, More Helping our Clients get more Competitive Efficient 3. AI/ML , Predictive Analytics 4. Agentic AI Helping Our Clients Grow Using Jack Henry to transform Banking culture service i
Slide 24: Establishing a Data Consortium, to leverage the power of Jack Henry Distribution
Establishing a Data Consortium, investor day 2026 to leverage the power of Jack Henry Distribution • Broad and Deep Data at JH • 1700+ Core Clients • 5500 Non-Core Clients • Hundreds of millions of accounts • Billions and billions of transactions • We need to access all of this to unlock the power o
Slide 25: Coming in FY 3Q27: Data Science App Store
Coming in FY 3Q27: Data Science App Store investor day 2026 culture service innovation strategy execution
Slide 26: Data Science is a direct path to revenue for the FI
investor day 2026 Data Science is a direct path to revenue for the FI how many small businesses are being run from FI retail accounts? • We plan to auto-detect and flag these for clients ABA estimates “26% of existing retail accounts have on-going business • Do a better job of serving transactions a
Slide 27: Business Problem for Every Bank: Customer Churn
Business Problem for Every Bank: Customer Churn investor day 2026 Case study: Bank with 500,000 accounts Present Day How JH Can Help JH Predictive Model “Churn Sentinel” gives FI a 8-12% average churn = weekly “at-risk” sheet, allowing them to reach 40-60k accounts lost per year out proactively and
Slide 28: Data Science App Distribution Model
Data Science App Distribution Model investor day 2026 • Closed Beta: January 2027 • Each ML App Priced Independently • One time or recurring • App Marketplace allows instant activation and billing • Membership in the future data consortium is required* • If they aren’t a member, their data is not pr
Slide 29: Focus Area 4
Focus Area 4 investor day 2026 1. AI Accelerating Product Development 2. AI In Our Products Making Jack Henry Faster, More Helping our Clients get more Competitive Efficient 3. AI/ML , Predictive Analytics 4. Agentic AI Helping Our Clients Grow Using Jack Henry to transform Banking culture service i
Slide 30: The Agentic AI future of Jack Henry
Jack Henry Confidential investor day 2026 a.k.a. The Agentic AI future of Jack Henry culture service innovation strategy execution
Slide 31: The Future Evolution of Enterprise Applications
The Future Evolution of Enterprise Applications investor day 2026 The current state, for the last 20 years Human user Custom web UI Public or private APIs System of record culture service innovation strategy execution
Slide 32: But now vibe coding is like conjuring
But now vibe coding is like investor day 2026 conjuring Regular people can code whatever they want • No experience needed • Any niche is fine • So easy to do, no use case is too small • The smaller the use case, the simpler it is to build culture service innovation strategy execution
Slide 33: The Future Evolution of Enterprise Applications
The Future Evolution of Enterprise Applications investor day 2026 Vibe coding means there could be hundreds of unique front-ends Human user Vibe coded web UI, smaller and fit for purpose Public or private APIs System of record Suddenly, APIs and SORs are what matter most! culture service innovation
Slide 34: In the future, the UI may become less important
In the future, the UI may investor day 2026 become less important AI Agents can do it for us • Just talk or text with it, and it does what you say. • Connectors to APIs, like the UIs do, but with no webpages. • Ask questions, get answers. • Issue commands, they get done. culture service innovation s
Slide 35: The Future Evolution of Enterprise Applications
The Future Evolution of Enterprise Applications investor day 2026 AI agents mean eventually the UIs may disappear entirely Human user No browser, just talking or texting Agentic AI, Public or private APIs System of record running anywhere Suddenly, application UIs are an impediment for some users cu
Slide 36: Issue one command, many things happen
Issue one command, many investor day 2026 things happen Agents will not be 1:1 with Apps • Once agents are using APIs, there is no way they will be limited to one SOR at a time • They will use multiple SORs to accomplish more complicated and integrated things • Workflow management is built into agen
Slide 37: The Future Evolution of Enterprise Applications
The Future Evolution of Enterprise Applications investor day 2026 Agents will simultaneously use multipe APIs or SORs Human user No browser, just talking or texting Agentic AI, running anywhere Now SORs don’t have to be comprehensive, agents provide the glue culture service innovation strategy execu
Slide 38: Using Multiple Tools Multiple Ways to Achieve a Goal
Using Multiple Tools Multiple Ways to Achieve a Goal investor day 2026 Triggered by a user specifically (Non-JH example) “Go through my SalesForce Opportunities and compare them to my Inbox in Outlook. Build me an Excel spreadsheet of anyone who has asked me a question that I haven’t responded to, o
Slide 39: Agents don't always need humans
Agents don’t always need investor day 2026 humans Other things can cause agents to act • Like this motion sensor, an AI agent could start a process or do a task when triggered externally • Outside event triggers, timers, or even other agents could initiate with them culture service innovation strate
Slide 40: The Future Evolution of Enterprise Applications
The Future Evolution of Enterprise Applications investor day 2026 AI Agent may not depend on human input to trigger them Schedules Inbound events Other agents Agentic AI, running anywhere Rapidly, human users Public agentic APIs Systems of record become less relevant culture service innovation strat
Slide 41: Using Multiple Tools Multiple Ways to Achieve a Goal
Using Multiple Tools Multiple Ways to Achieve a Goal investor day 2026 Triggered by timing (retail examples) ”Every weekday night at 5pm, check all 3 of my banks for the highest savings rate. Then transfer any balance over $5000 from all of my accounts to the highest yielding savings account.” “Ever
Slide 42: Example with a Bank Associate
Example with a Bank Associate investor day 2026 • Every morning at 7:15am, cycle through all of the exception items in SilverLake. 1. Check the customer’s previous transactions to see how prior exceptions were handled. 2. Check their history in Synapsys to see if they have on-going issues with the b
Slide 43: Who is Going to Partner With FIs on These Solutions?
Who is Going to Partner With FIs on These Solutions? investor day 2026 Schedules Inbound events Other agents Agentic AI, Human users running anywhere Public agentic APIs Systems of record culture service innovation strategy execution
Slide 44: How are we executing on this plan?
investor day 2026 How are we executing on this plan? culture service innovation strategy execution
Slide 45: The standard way: Building AI features into our products
The standard way: investor day 2026 Building AI features into our products “AI inside our walls” culture service innovation strategy execution 48
Slide 46: Next: AI Outside Our Walls
Next: AI Outside Our Walls investor day 2026 AI Agents could be anywhere The future is millions of independent agents • Anthropic agents running in SpaceX data centers • OpenAI agents running in Azure data centers All of them, calling our API’s to do work for them culture service innovation strategy
Slide 47: Externalizing Services can be uncomfortable
Externalizing Services can be investor day 2026 uncomfortable Not every restaurant wants a drive-thru It is what the public, and internal bank associates, are going to demand. culture service innovation strategy execution
Slide 48: Harness Agnostic
Harness Agnostic investor day 2026 The “harness” is the code that calls your APIs when the model tells it to. Highly dynamic AI progress means agentic harnesses are also highly competitive. Jack Henry is emphasizing flexibility as the market evolves. culture service innovation strategy execution 51
Slide 49: Corporate Agents Need to Touch Our Products
Corporate Agents Need to investor day 2026 Touch Our Products We need a way for the outside agents to know what we offer. We need to show them how to ask for these things. The AI Industry calls this MCP, or Model Context Protocol MCP is the crucial identity and tracking layer that allows this to wor
Slide 50: Safety
Safety investor day 2026 Not everything can be done at the drive-thru We choose what is safe to serve through the external pathways Risk frameworks are needed to assess and control all potential agentic actions culture service innovation strategy execution
Slide 51: Implications for Jack Henry
Implications for Jack Henry investor day 2026 From now on, APIs and SORs are what matter, not UI The complexity, reliability, and regulatory moats are real. If we do not have the APIs though, customers (and agents) will find other SORs that do. culture service innovation strategy execution 54
Slide 52: Implications for Jack Henry
Agents Implications for Jack Henry investor day 2026 We are actively working on Agentic APIs across our roadmap Human Detailed agentic authentication, authorization in the and auditability are crucial. loop Partial trust means APIs must limit what agents can do without humans. culture service innova
Slide 53: Implications for Jack Henry
Our API Gateway Implications for Jack Henry investor day 2026 Agents API exposure outside of front-end systems We have a lot of public APIs intended for use by third parties. We have thousands more APIs that are not available outside JH. Usually these are system or UI-specific. We need many of these
Slide 54: "External AI" means something: Harness-Agnostic
“External AI” means something investor day 2026 Jack Henry plans to be Harness-Agnostic - Claude Cowork Dominant mind share and momentum - MS Copilot Cowork Eventual dominant market share for our clients - Other 3rd party frameworks Dark horses could win, also If a retail user or bank associate use
Slide 55: 5 Levels of Agentic Action Risks
5 Levels of Agentic Action Risks investor day 2026 As we start to move into agentic actions, we recognize that not all actions carry the same risk. For now, there is a lot to do with levels 1-3. L5 L4 Deleting Data, L3 Triggering Actions Moving Money L2 Triggering Actions Outside Organization L1 Add
Slide 56: Mapping to Product Priorities
Mapping to Product Priorities investor day 2026 L1 L2 L2 L2 L5 Jack Henry Product Read-Only Edit Rules and Add comments, Reset Passwords, Execute API’s Statuses cases, other Update Limits Transactions All Cores Y N Payments Y Y Y N Cards Y Y Y Y N CRM Synapsys Y Y Y N Financial Crimes Defender Y Y Y
Slide 57: 50 years ago, Jack Henry revolutionized banking compute
50 years ago, Jack Henry investor day 2026 revolutionized banking compute culture service innovation strategy execution 61
Slide 58: Now, 50 years later, we are doing it again.
investor day 2026 Now, 50 years later, we are doing it again. culture service innovation innovation strategy strategy execution execution
Slide 59: Investor Day 2026
investor day 2026 investor day 2026 culture service © 2026 Jack Henry & Associates, Inc.® innovation strategy execution