Core Solutions

Functionally Distinct Banking Platforms

Jack Henry Banking was founded in 1976 in response to the growing demand for off-the-shelf banking software.  Three decades later, it supports approximately 1,500 banks – ranging from de novo to mid-tier institutions – with market-leading in-house and outsourced core processing solutions.

Jack Henry Banking provides three functionally distinct banking platforms: 

• SilverLake System® is a highly customizable, IBM® Power™ System-based solution for commercial banks;
• CIF 20/20® is a parameter-driven, IBM Power System-based solution; and
• Core Director® is a Windows®-based, client/server core processing solution. 

These market-leading systems proactively support the evolving banking industry with ongoing client-driven enhancements to core functionality, the regular introduction of new complementary products, the integration of practical new technologies, and strict regulatory compliance.  Existing clients’ direct input on future enhancements and functional innovations are actively solicited and incorporated.

Jack Henry Banking operates as a single source for enterprise-wide automation by integrating these powerful core systems with more than 100 complementary products and services and by serving each client as a single point of contact, support, and accountability for today’s complex information processing platforms.

Complementary Solutions
Jack Henry Banking supports bank-specific requirements by integrating robust core functionality with approximately 100 complementary products and services that are selectively integrated with SilverLake System®, CIF 20/20®, and Core Director®.  These state-of-the-industry solutions suites include:

• Business Intelligence and Bank Management Solutions – Maximizing performance and profits requires accessible, accurate, and timely decision-support and business intelligence information. Jack Henry Banking’s Business Intelligence and Bank Management product suite leverages the processes, technology, and expertise to compile, report, and analyze customer, product, market, and business information.  
• Retail Delivery – Mid-tier and community banks can successfully compete with money center and national banks by offering comparable, high-demand retail products and services. Jack Henry Banking’s Retail Delivery product suite can enhance the customer experience and provide the opportunity to expand customer relationships at all points of contact.  
• Business Banking – Mid-tier and community banks can successfully compete with money center and national banks by offering comparable, high-demand commercial products and services. Jack Henry Banking’s Business Banking product suite can enhance the customer experience and expand commercial relationships at all points of contact. 
• Electronic Funds Transfer – EFT transactions require a secure, reliable, end-to-end processing platform.  Jack Henry Banking’s EFT product suite provides the strategic components of a comprehensive e-commerce strategy, and provides the high-demand EFT services required to compete in today’s financial services industry. 
• Internet Banking – Today’s convenience-driven consumers expect to initiate transactions and conduct self-directed research 24 hours a day, 365 days a year. Jack Henry Banking’s Internet Banking product suite provides the strategic components of a comprehensive e-commerce strategy while enhancing customer service, convenience, and competitive positioning. 
• Risk Management and Protection – Banks must proactively manage their assets, protect their customers from fraud and the related financial losses, prepare to conduct business in the event of a disaster, and fully comply with related regulatory requirements. Jack Henry Banking’s Risk Management and Protection product suite enables banks to balance business opportunities with the inherent risks by leveraging proven business tools and industry best practices.
• Item and Document Imaging – Imaging reduces operating costs while increasing operating efficiencies, enhances customer service and convenience, and streamlines information distribution. Jack Henry Banking’s Item and Document Imaging product suite revolutionizes item processing by converting paper-based checks into digital checks and processing them electronically. The document imaging and management solution converts virtually any paper-based document into a digital document that can be electronically stored, immediately retrieved, and efficiently delivered.
• Professional Services and Education – Banks must proactively protect their mission-critical information assets and operational infrastructures, and maximize the return on technology investments. Jack Henry Banking’s Professional Services and Education suite is designed to further streamline operations, proactively manage inherent operational risks, maximize the day-to-day use of technology-based solutions, and ensure related regulatory compliance.

These fully integrated solutions enable Jack Henry Banking’s client banks to proactively respond to evolving customer and market demands, expedite speed-to-market with competitive offerings, increase efficiency, and address specific operational issues with proven solutions. 

Through internal product development, the acquisition of companies that provide best-of-breed solutions, and strategic alliances with companies that offer state-of-the-art solutions, Jack Henry Banking regularly introduces new client-driven complementary products and services. 

Jack Henry Banking's Industry Research department continually solicits its clients’ guidance on the business solutions they need, evaluates competitive offerings, and regularly introduces complementary solutions that further differentiate its solutions for enterprise-wide automation.

Click here to download our Complementary Solutions brochure