Jack Henry & Associates, Inc. · NASDAQ:JKHY
Jack Henry & Associates — Investor Day (2026)
102 slides from Jack Henry & Associates's investor day presentation, 2026
Slide 1: We believe the US is not a better place without community financial institutions
We believe that the US is NOT a better ele [\ i » Vv _—-T place without our community/regional financial institutions. srs AAR) 6
Slide 2: Table of Contents
TABLE OF CONTENTS jack henry O1 02 os 04 O05 oG Platforms in the Al Era Jack Henry Platform What makes Jack Henry Different What shipped.. since 2024 SMB: Tap2Local Whats Next?
Slide 3: In 2020 we set out to build
In 2020 we eset out to build
Slide 4: We decided back then to
i _We decided back then to
Slide 5: Platform Timeline
Platform Timeline September 2020 — September 2026 oct 2022 sept 2024 2020 : . Updated Roadmap Investor Day Vision to Build a new core Delivered nseraly o We explain the platform and Planning & Build begins in earnest management and board roadmap with anly one module live © © © © © © aus 2022 Mov 202
Slide 6: Executive summary
Executive summary Industry Platform Commentary us Products designed with composable microservices, AP!-first, cloud-native, headless architectures will establish a significant competitive moat. — Gartner, Top Predictions for IT Organizations and Users, 2026 and Beyond 90% $I5T 2030 20% of 828 buying
Slide 7: Platforms in the Al Era
jh Platforms in the Al Era The platform captures the rebundle Large consulting and analyst firms converge: value migrates to whoever coordinates workflows and integrates the stack. Exposing capabilities is how you stay in the value chain rather than getting routed around. a Infrastructure will shift
Slide 8: jack henry atom
jack henry” atom A connected workspace to run your institution. Built around your core.
Slide 9: Building new structure around the foundational core
Were building new structure around the foundational core, so everything else can move faster Your core remains Innovation moves into a Adopt new services over time. the system of record. system that can evolve rapidly. No core conversions.
Slide 10: Connect your core, extend with apps
Step1 Connect your foundational core to Jack Henry Platform Step 2 Extend it with apps % ®
Slide 11: See everything in one place
See everything in one place Evolve at your pace Launch and evolve innovative products Rope tu Avoid a large core conversion Wires ACH = Stablecoins = Tap-to-pay —Reporti Real-time payments invoicing Billpay Cardman Get actionable insights woven throughout
Slide 12: What this enables across your institution
What this enables across your institution Launch and evolve —_ — — Feeturer: Graeyonng in aie, pu: Eearynng ia Pa, ae cee innovative products Package and price products Differentiate your institution your way f cts, pricin € pat and ai tis € r ci offerings c y non Support modern financial Target the
Slide 13: What this enables across your institution
What this enables across your institution ] @ Jens Merancier Bervonal —— Accounts Actvty See everything in one ... place for faster resolution : a= $3569018 a wee 1 ne a 2 eam +s ————_ | ; a ae oo Investigate, don’t navigate Context stays with the work AER ge Cree crn cae Everything about a person,
Slide 14: Side core approach
atch date een Teter contre Separate team Separate compliance Separate security
Slide 15: Side core approach
atch date een Teter contre Separate team Separate compliance a > 2" os? SF Qe =e Separate security >
Slide 16: Challenges with the side core approach
Challenges with the side core approach... Most have no UI UX, they are headless. Requires net new personnel at the FI to run and operate. New Compliance and Security concerns for local regulators. Side cores cannot run the bank or the credit union... settlement and clearing still need to happen on f
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Slide 18: We offer optionality with deep integration
We offer optionality with deep integration that allows for you to modernize / convert at your own pace with your preferred strategy
Slide 19: This is your core system...
This is your core system...
Slide 20: Enabling the public cloud...
Enabling the public cloud...
Slide 21: jackhenry Google
jackhenry Google
Slide 22: For our foundational core systems
For our foundational core systems... ee Transactional Guarantee a wee BC/DR ay o- oF se oe
Slide 23: Which enables Data + AI
Which enables Data + Al
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Slide 29: Modern UI / UX for the Back Office
Modern UI / UX for the Back Office Jack Henry Design System - V2 Key Features: * Works on any computer you can buy at Best Buy Responsive: Works on iPads and Phones 100% Native Web Components Every component is... Fully ADA Compliant out of the box
Slide 30: ...and that enables a pace of innovation
__ ..and that enables a ice of innovation
Slide 31: Enabling our customers to modernize at their own pace
_ encbang our customers aie odernize at their own ‘pace and strategy
Slide 32: ...without a major
_... without a major
Slide 33: In September 2024 we only had one module running
In September 2024 we only had one module running...
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Slide 35: Platform modules
GRAPH ACH Account Mgm Exceptions Tokenized Deposits ® International-Wires Journal Data Hub Identity ® Notifications Entity Mgm ® Realtime Audit ® Transactions
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Slide 37: Public Cloud Transformation
Public Cloud 4 Transformation... Origin: Now running Active © Active across 2 Regions and 6+ data centers Digital Platform & Treasury running 16 million user's With 1030+ Financial Institutions Hi, Sentry
Slide 38: First customer on the platform running a new brand
We have our first customer on the platform running a new brand... Much like Nymbus or Thought Machine customers can build a separate go-to-market brand. Hope Credit Union is now running Banno as a separate brand on the new on platform using it to acquire new customers and deposits with deep integrat
Slide 39: New Products on Platform
New Products on Platform Domestic + Exception Item International Wires Processing General Ledger Tokenized Deposits ; uspc pte Deposit Accounts
Slide 40: High grade partnerships with deep platform integrations
High grade partnerships with deep platform primitive integrations... Enable new products that our customers can buy from us... Also enables new add-on sales for existing products
Slide 41: Example: Treasury
Example: Treasury We now have multiple Treasury customers piloting our stable coin orchestration module... allowing them to compete directly with large bank offerings. These are add-on modules that customers can then combine to achieve a solution they license from us. ® ® Stablecoin General Ledger ®
Slide 42: One substrate. Every future product.
One substrate. Every future product. No more conversions. Foundation cores Banno Business Treasury Tap2Local Symitar * Core Director SilverLake * CIF 20/20 Entitlements Micro & Small Business GRAPH + JHID Unified entitlements, rights, and permissions engine Al Agents SMB Banking Partners Companion a
Slide 43: Fine-grained permissions at every level
Fine-grained permissions at every level PEOPLE tT} Jill Reyes ROLE PORTFOLIO GROUP INSTITUTION Owner Mi j -' — ill Street High-Value First Federal Cycles Customers ~ | Jack Patel <) Shop manager 6 Operating account No access accounts accounts $18,420 All Mill Street All Mill Street
Slide 44: GRAPH, JHID, Entitlements
No data? No Al. No identity? No fine grained permissions? No agents. ( f ) GRAPH JHID Entitlements Substrate for Every agent linked Permissions and consumer-grade Al to a human controls
Slide 45: Example: Tap2Local
Example: Tap2Local ——— Hi, Myles a We now have 900+ customers enabled on a new kind of small business banking toolset that utilizes the platform. These modules enable Tap2Local. ® ® Exceptions Ledgering Orchestration GRAPH
Slide 46: More platform partnerships at Connect in October
We will announce 2 more major platform partnerships at Connect in October
Slide 47: New suite of add-on products
That will then allow for us to build a whole new suite of products for our customers that they can purchase as add-ons.
Slide 48: Key Technologies
Key Technologies: « Large Kubernetes cluster * Highly performant Microservices with circuit breaking and resiliency * Written in Go or Rust * Python for AI / LLM services * API Gateway built in house (beats all cloud gateways) including Apogee <> * Ledgers run on Cloud Spanner (largest . me Gg datab
Slide 49: Early stages of rollout
We are now in the early stages of rollout...
Slide 50: Core component parts complete and running active-active
All of the primary component parts that you need for a true core processor are complete and running active <> active in the public cloud
Slide 51: Ships with integration to existing cores
AND it ships with integration to our existing foundational cores
Slide 52: {demo}
{demo}
Slide 53: 2018 we began building the Banno Digital Platform
2018 we began building the Banno Digital Platform inside Jack Henry Ye
Slide 54: In 2019 we began new work on Treasury
In 2019... we began new work on our — Treasury prod a. _
Slide 55: Competitive timeline
jh 4 — Competitive timeline Complete digital platform competitors... In 2004, 2009, 2016, 2017... all before Banno oro =) Alkami, Q2 and NCR are the longest Apiture, Narmi, Mahalo and Lumin are Nobody has built 100% native apps running digital platforms the most recent. with a complete digital core
Slide 56: Banno
jh 5 — Banno Banno acquired in 2014, rebuilt from 2018 In 2018 we began building a new digital platform... oto cl First-in-class cloud-native platform Native apps as the reference Complete digital core to rival Unit, with modern API access to JH core implementation for the platform Thought Machine,
Slide 57: Banno best in class for retail
Hi, Sentry Transactions US BANK WITHORAWAL Pending US 8 «UBER $5,674.33 $540.00 $23.80 Banno is now the bestin class for retail and we are in the final lap for best in class for business... we ww we 4 tal tf (=)
Slide 58: We've announced
ve announced
Slide 59: Business banking for all
Business banking for all We serve the whole business spectrum From sole props on their phone to large commercial treasury clients MICRO & SMALL Tap2Local Merchant payments inside the consumer app, with API-driven signup and approval No cost, no lift, no risk — on by default for every Banno customer
Slide 60: New businesses since 2020
3.50M 3.52M 31.25M new businesses since 2020 cn 5.A9M Seton Y ml Wy 25M
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Slide 63: Visa & Mastercard
VISA & @ mastercard
Slide 64: Rapid Transfers
RAPID TRANSFERS
Slide 65: Rapid Transfers live and in rollout
a Transfer © Mastercard 5711 Live and in rollout... * No cost/zero fees for the Financial aoe Institution + No risk for the financial institution * ALL Banno Financial institutions (1030+) have access to the feature. + Account to Account Transfers + Account funding (post account opening) * On by def
Slide 66: Real time payments
JVirtuatWattet ay I: Real time payments * Debit to Debit + Mastercard Send * Visa Direct * Money moves in real time * Deep core system integration... * GL + Exception Item Processing © Tip ehocal sotncredsbws ah bank Ld 000 1234 Sb 1B AOLO
Slide 67: No other community FI has this
There isn'ta single community fi financial institution i in the die the , has this meals
Slide 68: Competitor app comparisons
coinbase $15,841.02 Welcome, Alex. $123.44 E £27, 20020 tee bonus pst $732.21 $24.05 Chime Deals
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Slide 70: Tap to Pay on iPhone & Android
Tap to Pay on iPhone & Android functionalit SDKs, and US card brands in 7 months.
Slide 71: The app is the point-of-sale
@Pay GPay The appis the point-of-sale Turn any smartphone into a contactless POS. Accepting debit, credit, Apple Pay, Google Pay, and more. After enrollment SMB can IMMEDIATELY begin taking payments! To our knowledge this is an industry first for our community financial institutions! Ss \ OVEN Hold
Slide 72: Certified with all four card brands
WS A @ mastercard @Pay GPay L3 certs on all 4card brands AMERICAN Everyone told us this would take 2 EXPRESS years. 7 months to nail 28+ certifications DISC@®VER
Slide 73: Tap to Pay and Payment links
7 $224.00 14 Tap to Pay Payment links Kr to Checking t..-#2,9068 o Store & forward Next-day settlement 100.90 Dispute management © View support articles Refunds Receipts Evidence submitted ‘Submit support request ey Moov « Great news! Your receipt from Mox You're ready to accept card payments brandi
Slide 74: In-app payment options
In-app payment options Tap2Local™ Contactless cards, phones, or watches Paymentlinks Single-use or shareable for easy online payments QRcodes Scan & pay instantly in-person or online Hold Here to Pay w => m = > co - & ») oh
Slide 75: Benefits
Hi, Myles Benefits * Quick signup & approval (API-driven onboarding) + No cost, no lift, no risk + ALL Banno Customers get this feature delivered directly to their businesses and sole props! + On by default and available to end users.
Slide 76: Tap2Local Timeline
Tap2Local Timeline September 2024 — September 2026 ave 2025 Certified All network certications complete SEP 2024 Moov Partnership Partnership announced 4am 2025 ocr 2028 Visa & Mastercard Connect 2025 Agreements inked — build begins Live demo & presentations in San in eamest Diego — Banno rollout be
Slide 77: What We've Shipped
What We've Shipped Major feature releases - May 2026 — today o1 02 Al Powered Product Catalog Shopping Cart Al-powered catalog creation and management Embedded checkout for merchant storefronts 04 05 Invoicing Payouts Create, send, and track | st, flexible merchant payouts 03 Customers Unified custo
Slide 78: Payouts
930 e ai OQ % moovmoneyiivermoke + © Ff — > d Payouts Business can send payouts to vendors or contractors without collecting their payment information. You received a payment from Moov Inventory replenish Confirm your identity
Slide 79: Product catalog
—_ Product catalog Improves ease of use of accepting a payment or sending a payment link with transparency in the purchase details. Al-assisted product Flexible for any categories & images business type
Slide 80: Invoices
248¢ e «Fe Invoices | Mike Davis $1,300.00 powers PAST DUE — John Smith $3,000.00 Ove Aug 5 UNPAID os Invoicing as ae $450.00 + 5 + comes A Send invoices (and reminders) from | anywhere, anytime. ‘| John Smith $106.50 ue Aug 5 ORAFT John Smith $0.00 ue Aug 15 UNPAID Emily Brown $106.50 Ove Aug 15 UN
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Slide 102: Thanks