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State of the Jack Henry Platform

We know it’s important for you to keep track of the capabilities that make up the Jack Henry Platform and where they’re all at from a development perspective today. Consider this page your 1,000-foot view of the Jack Henry Platform so you can see the status of particular products or services all in one place.

In the age of rapidly evolving digital tools, fintech explosion, and waning consumer loyalty, community financial institutions need technology and strategies that enable them to work smarter, not harder. The Jack Henry Platform is a cloud-native ecosystem that functions like an operating system for the applications financial institutions use every day, enabling greater back office efficiency and competitively differentiating strategies for your financial institution.

With the Jack Henry Platform, we are building cloud-native services designed to evolve with the demands of emerging technologies without sacrificing the stability you have today. Instead of a full core conversion, you can adopt capabilities of the Jack Henry Platform (like wires, ledger, exceptions, etc.) as you’re ready while maintaining direct integration with your foundational core.

Learn more about our Platform strategy

Any Jack Henry product that is cloud-native, API and event-driven, and integrated to other Jack Henry Platform applications is considered “part of the platform” and many existing Jack Henry products are on modernization journeys to become part of the platform in this way. Because of this, the Jack Henry Platform will evolve into a comprehensive financial operating system that unifies experiences across products and expands beyond traditional core functionality.

While you can adopt Jack Henry Platform applications individually and incrementally, you also have the option to assemble certain Jack Henry Platform capabilities together to act as a digital core. These digital core capabilities are just that – parts of a greater ecosystem that deliver beyond just digital core features.

Essential capabilities for our initial digital deposit core offering include Account Management, ACH, Audit & Activity Logging, Authorizations, Card Management, Digital Assets, Entity, Jack Henry Exception Manager, Jack Henry Ledger, GRAPH, Jack Henry Identity, Jack Henry Insights, Journal, Jack Henry Sanctions Screening, and Jack Henry Wires. On this page, these capabilities are marked with the Deposit Core Service tag to highlight their unique role. Other platform capabilities, such as Jack Henry Data Hub, are also listed but will not carry that tag.

Below you’ll see that each capability is accompanied by one or more status tags. These indicate the stage of development the product/service is currently in, along with any additional relevant details. Here’s a quick overview of what each tag means.

Note: Dates and feature descriptions contained on this page are provided as estimates only and can be changed at any time at the sole discretion of Jack Henry & Associates, Inc. This information may not be incorporated into any contract and should not be relied upon in making purchasing decisions.

Concept Validation
Concept Validation
An early-stage process in which we’re working to gather directional feedback from users on initial designs or functionality.
In Development
In Development
A product that is currently being built by our development teams.
Closed Beta
Closed Beta
A limited release offered to a small group of customers for internal testing, focused on identifying critical bugs and feature gaps.
Closed Beta Expansion
Closed Beta Expansion
A larger closed beta, typically involving two to 10 customers, with the goal of deepening product validation and ensuring product readiness for a broader release.
Open Beta
Open Beta
A release that’s available to a wider audience, enabling large-scale feedback and system stress testing. At this point the product should be functional and usable.
Launched
Launched
A full product release with broad access and support.
Deposit Core Service
Deposit Core Service
Indicates a service that is part of our digital deposit core offering.
Platform Enabling Service
Platform Enabling Service
Indicates a technology that underpins nearly all Platform environments and applications, delivering essential capabilities that every experience relies on.
Name Pending
Name Pending
Indicates a service that has not received official naming and could be subject to change.

Closed Beta

This is our first iteration of what will become a robust cloud-native digital core. To start, it will support deposit accounts and will utilize the following deposit core services: Account Management, ACH, Audit & Activity Logging, Authorizations, Card Management, Digital Assets, Entity, Jack Henry Exception Manager, Jack Henry Ledger, GRAPH, Jack Henry Identity, Jack Henry Insights, Journal, Jack Henry Sanctions Screening, and Jack Henry Wires.

We will be closed beta testing with three financial institutions (one bank and two credit unions) in the coming months.

Provide financial institutions access to raw and engineered data for their Jack Henry products in a centralized location of their choice, such as Google BigQuery, Microsoft Azure, or AWS, with more destinations coming in the future. Financial institutions do not purchase Jack Henry Data Hub, but rather, they purchase individual data sets that Jack Henry Data Hub delivers to their data warehouse.

This data set includes tables from Banno Conversations, Banno History, and Banno Operation and Transaction data, with more tables being added over time.
Launched

While the Banno data set captures what general actions users take within Banno, the Banno Usage Data data set provides information about more detailed usage patterns and common interaction paths.
Launched

This data set provides batch data and near real-time data about wire activity within Jack Henry Wires.
Launched

This data set provides a monthly summary of data from SmartPay, Ensenta, PayCenter, Card Processing Services (CPS), iPay, and PayRailz.
Launched

This data set provides daily information about OFAC details and results that are received through the Sanctions Screening service.
Launched

This data set includes both batch and near real-time streaming data from the SilverLake core.
Launched

Currently in closed beta with limited tables with two credit unions.
Closed Beta

This data set includes near real-time Treasury Management data, including company, account, product, transaction, and usage details.
Launched

Deposit Core Service

Designed to help financial institutions modernize and improve their wire processing.

We have 26 financial institutions currently in some phase of onboarding or implementation in addition to the live financial institutions mentioned below.

Live in production with 15 Symitar credit unions.
Open Beta

Currently in closed beta testing with three banks.
Closed Beta

We’ve completed our integration between Jack Henry Wires and CIF 20/20 and are looking for closed beta banks.
In Development

We’ve completed our integration between Jack Henry Wires and Core Director and are looking for closed beta banks.
In Development

We’re currently developing the international wires rail integration with Corpay and are targeting closed beta testing in the coming months.
In Development

Deposit Core Service

Helps financial institution employees make efficient, informed decisions on exception items.

Currently in closed beta testing with two banks and onboarding a third.
Closed Beta

Symitar integration is in development and targeting closed beta testing later this year.
In Development

All Jack Henry Rapid Transfers customers will soon get access to Jack Henry Exception Manager to resolve exceptions generated from Rapid Transfers transactions.

Please note the status below for where we are at with supporting each foundational core for Rapid Transfers exception testing:

We are closed beta testing with 3 credit unions.
Closed Beta

We are closed beta testing with 3 banks.
Closed Beta

We are closed beta testing with 2 banks.
Closed Beta

We are closed beta testing with 2 banks.
Closed Beta

Deposit Core Service

A real-time posting general ledger solution.

We have signed our first holding company closed beta and testing will occur over the coming months.
Closed Beta

We are continuing to build out integrations for SilverLake and Symitar to maximize efficiency gains for banks and credit unions. (Support for CIF 20/20 and Core Director is also planned, but not currently in development.)
In Development

Deposit Core Service Platform Enabling Service

Serves as the enterprise authentication service for the Jack Henry Platform, giving financial institution staff a digital identity that can be validated with one set of credentials across accounts and giving administrators a place to manage credentials, 2FA enrollments, and other identity settings across their financial institution. This service will eventually become the authentication standard across all of Jack Henry.

Enabled as the enterprise authentication framework for all Banno and Jack Henry Platform financial institutions.
Launched

Financial institutions with products that have implemented Jack Henry Identity (like Banno and the Jack Henry Platform) can use either the cloud-hosted option of Jack Henry Identity or integrate Jack Henry Identity with their existing Active Directory identity provider.
Launched

Financial institutions with products that have implemented Jack Henry Identity (like Banno and the Jack Henry Platform) can either use the cloud-hosted option of Jack Henry Identity or integrate Jack Henry Identity with their existing Entra ID identity provider.
Launched

Currently in closed beta with LoanVantage customers.
Closed Beta

JHA OpenAnywhere is currently developing their integration with Jack Henry Identity and will enter closed beta testing when the integration is complete.
In Development

The Xperience 3 (X3) team is currently developing their integration with Jack Henry Identity.
In Development

Deposit Core Service

Provides back-office reporting for the Jack Henry Platform.

Currently in closed beta expansion with 14 Banno financial institutions.
Closed Beta Expansion

Specific reports are still being determined.
In Development

Specific reports are still being determined.
In Development

Specific reports are still being determined.
In Development

Specific reports are still being determined.
In Development

Deposit Core Service Platform Enabling Service

GRAPH (Groups, Relationships, and Permissions Hierarchy) is an API-driven central system that organizes and manages groups, permissions, relationships, and financial instruments associated with a customer or member. While GRAPH won’t appear directly in the UI, different Banno and Jack Henry Platform applications will call GRAPH APIs to determine an end user’s limits and permissions.

A consolidated view of your customer or member that brings all of their associated accounts (including those on different systems of record) and digital ways of interacting to a single control panel within the Jack Henry Platform. Specific profile-related projects include:

GRAPH will ingest Symitar data and use that data to power a member-centric view within the Symitar Web App.
In Development

A holistic, contextual profile view of a customer and all their accounts powered by the GRAPH system.
In Development

A reimagined way of enforcing entitlements all the way down the stack. Permissions are set at the institution level to control the account types and relationships that can have digital access, and from there, more granular feature permissions can be controlled at the group, consumer, business, and user levels. Please note that due to the size of this project, the following list of entitlements-related efforts is not all-encompassing.

GRAPH will manage user permissions and limits for Banno consumer wires. Financial institution staff will use Banno Admin to navigate to the Jack Henry Platform, where they will be able to update user permissions. Closed beta testing is expected to begin in upcoming months.
In Development

GRAPH will provide the entitlement rules and logic for Banno Business for Core Director completely independent of NetTeller. Initial efforts will include support for creating user roles and inviting new users as well as supporting entitlements for internal transfers, mobile deposit, merchant deposit, and stop payments, with ACH and wires origination entitlements following after.
In Development

Treasury Management will be moving to rely on Jack Henry Wires instead of SilverLake wires for its wire processing. As part of that effort, GRAPH will manage the end user wire entitlements, similar to how it supports entitlements for Banno consumer wires. This is a critical piece of preparing Treasury Management for the international wires ISO migration in November 2026. Closed beta testing is expected to begin in upcoming months.
In Development

Banno Business will be integrating with Jack Henry Wires to support its wire processing and will rely on GRAPH for end users’ wire entitlements. Closed beta testing with SilverLake banks is expected to begin in upcoming months, followed shortly by testing with Core Director banks.
In Development

Support entitlements for the Jack Henry Platform’s digital core feature set to enable a financial institution to run a digital brand that connects to the Jack Henry Platform’s digital core.
In Development

Deposit Core Service

Digital Assets brings stablecoin payments natively into the Jack Henry Platform. Financial institutions can manage USDC liquidity and offer business customers a USDC account that moves money faster than traditional rails, including nights, weekends, and across borders.

Starting in Treasury Management, businesses will be able to send and receive USDC directly from their digital banking experience. Followed shortly by Banno Business.
In Development

In Development Name Pending

Even as financial institutions adopt Jack Henry Platform capabilities, there will still be information they need to access from their foundational cores (e.g., SilverLake and CIF 20/20). The SilverLake and CIF 20/20 Web Apps in the Jack Henry Platform surface information from their respective foundational cores so that users can reduce the number of times they have to navigate outside of the Jack Henry Platform experience to find information.

Unlike capabilities such as Jack Henry Wires or Jack Henry Exception Manager, the SilverLake and CIF 20/20 Web Apps are not designed to replace existing foundational core functionality. Rather, these apps draw data from the foundational core and present it inside the Jack Henry Platform for a more cohesive and centralized user experience.

We are close to completion on initial development and will enter closed beta soon. Testing will begin, initially, with SilverLake banks.

Closed beta is scheduled to begin with two banks in Q3 CY2026.

Closed Beta Name Pending

Even as financial institutions adopt Jack Henry Platform capabilities, there will still be information they need to access from their Symitar core. The Symitar Web App in the Jack Henry Platform surfaces information from the Symitar core so that users can reduce the number of times they have to navigate outside of the Jack Henry Platform experience to find information.

Unlike capabilities such as Jack Henry Wires or Jack Henry Exception Manager for example, the Symitar Web App is not designed to replace existing foundational core functionality. Rather, it draws from foundational core data and presents it inside the Jack Henry Platform for enhanced, member-centric views of the member relationship.

The Symitar Web App is currently in closed beta with two credit unions.

Deposit Core Service Platform Enabling Service

A solution hosted on the Google Cloud Platform (GCP) that processes entity screening using the financial institution’s selected vendor solution, which aggregates the necessary data. This compiled information is then presented directly within the Jack Henry Platform, to facilitate efficient and informed decision-making regarding whether to accept or deny services to the screened entity.

This will not be a product that is sold – it is currently utilized by Jack Henry Wires and may be used by other Jack Henry Platform services as needed.

Closed BetaOpen Beta
Platform Enabling Service

A modern, cloud-based file-movement service built on AWS®. It provides secure, auditable push/pull file transfers across Jack Henry systems and between Jack Henry and financial institutions, replacing legacy MoveIt-based SFTP processes with cloud-native automation and monitoring.

Progressing towards production readiness with continued development on production-quality capabilities such as billing and expanded integrations. Several Jack Henry business units are already leveraging Jack Henry File Transfer in production workflows while we finalize the platform for broader rollout.

Currently in closed beta with one bank and one credit union.
Closed Beta

  • Jack Henry Data Hub
  • Card Services
  • Symitar
  • Payments Strategy
  • ODI
  • LoanVantage

Launched Platform Enabling Service

Acts as a publisher for various Jack Henry events and notifications, including two-factor authentication (2FA) and transactional alerts for products like Banno, JHA PayCenter, iPay, and jhaEnterprise Workflow. It handles different types of messages and plays a role in various communication and verification processes while complying with industry regulations, including the CAN-SPAM Act, and following CTIA messaging guidelines. Notifications can be delivered by text or email.

As of March 2026, ENS is hosted on the Google Cloud Platform (GCP). Development efforts are underway with provider Twilio to offer rich communication services (RCS) functionality to Jack Henry customers.

Launched Platform Enabling Service

An enterprise event information delivery system. Designed on the “Pub/Sub” model, it takes in event information from publishers and delivers it to subscribers. Which events get published and how the event information is used is up to the publisher and subscriber products.

Customers are being migrated, in batch, from the legacy system to a newer, more modern offering.

  • Banno
  • Foundational Cores (SilverLake, CIF 20/20, Core Director, Symitar)
  • Synapsys
  • iPay

Closed Beta Deposit Core Service

An application to search, monitor, and manage accounts for the digital core.

Will be included in our upcoming closed beta testing for the digital core.

Closed Beta Deposit Core Service

Enables the digital core to send, receive, and track ACH payments.

Will be included in our upcoming closed beta testing for the digital core.

Launched Deposit Core Service Platform Enabling Service

Provides financial institutions the ability to manage staff permissions in a centralized location.

All Jack Henry Platform products are or will use this service to allow financial institutions to configure employee access and permissions within the platform.

Note: If your financial institution chooses to federate Jack Henry Identity to Active Directory or Entra ID, all group memberships and permissions will be managed in your existing identity provider instead of the Authorizations service.

Audit & Activity Logging

Launched Deposit Core Service Platform Enabling Service

Provides financial institutions the ability to search and view a timestamped log of system changes (audit) or user actions (activity) across their Jack Henry Platform applications.

Currently supports Jack Henry Platform digital core services. Additional UI improvements are on the horizon to improve the user experience and searchability.

Closed Beta Deposit Core Service

Supports the creation and maintenance of an entity (i.e. customer or member) within the digital core.

We’re continuing to build out new features and integrations with products such as JHA OpenAnywhere, Jack Henry Sanction Screening, and Card Management. Entity is a key component of the Jack Henry Platform’s back office user interface and will be included in our upcoming closed beta testing for the digital core.

Closed Beta Deposit Core Service

Allows financial institutions to create and manage debit cards associated with checking accounts on the digital core.

Will be included in our upcoming closed beta testing for the digital core.

Closed Beta Deposit Core Service

Post corrections, fees, and other miscellaneous transactions across all account domains.

Will be included in our upcoming closed beta testing for the digital core and included in our holding company closed beta for Jack Henry Ledger.