Jack Henry & Associates, Inc. (JKHY): Análisis PESTLE [Actualizado en Ene-2025]

En el panorama de tecnología financiera en rápida evolución, Jack Henry & Associates, Inc. (JKHY) se encuentra en la encrucijada de la innovación y la complejidad, navegando por un entorno empresarial multifacético que exige agilidad estratégica y previsión. Este análisis integral de mano presenta las intrincadas capas de fuerzas externas que configuran la trayectoria de la compañía, desde desafíos regulatorios y dinámica económica hasta interrupciones tecnológicas y cambios sociales. Coloque profundamente en la exploración matizada de cómo los factores políticos, económicos, sociológicos, tecnológicos, legales y ambientales se cruzan para definir el posicionamiento estratégico de JKHY en el ecosistema competitivo del software bancario.

Jack Henry & Associates, Inc. (JKHY) - Análisis de mortero: factores políticos

Mayor escrutinio regulatorio sobre tecnología financiera y proveedores de software bancario

A partir de 2024, el sector de tecnología financiera enfrenta una supervisión regulatoria significativa. El Consejo de Examen de Instituciones Financieras Federales (FFIEC) reportó 1.285 exámenes relacionados con la ciberseguridad en 2023, lo que representa un aumento del 22% respecto al año anterior.

Cuerpo regulador	Número de exámenes	Áreas de enfoque
Ffiec	1,285	Ciberseguridad, cumplimiento
SEGUNDO	763	Gestión de riesgos tecnológicos

Impacto potencial de la legislación de ciberseguridad

La presentación de informes de incidentes cibernéticos propuestos para la Ley de Infraestructura Crítica exige requisitos de informes específicos para empresas de tecnología financiera.

• Información de violación obligatoria dentro de las 72 horas
• Posibles multas de hasta $ 500,000 por incumplimiento
• Requisitos de infraestructura de ciberseguridad mejorada

Iniciativas gubernamentales que apoyan la transformación de la banca digital

El Departamento del Tesoro de los Estados Unidos asignó $ 2.3 mil millones en 2023 para la innovación bancaria digital y la modernización de la infraestructura.

Iniciativa	Asignación de financiación	Objetivo principal
Programa de infraestructura bancaria digital	$ 1.4 mil millones	Modernización tecnológica
Fondo de mejora de ciberseguridad	$ 900 millones	Infraestructura de seguridad

Cambios potenciales en las regulaciones bancarias

La Ley de Reforma y Protección del Consumidor de Dodd-Frank Wall Street continúa evolucionando, con posibles enmiendas que afectan a los proveedores de software financiero.

• Aumento de los requisitos de reserva de capital propuesto
• Regulaciones de privacidad de datos mejoradas
• Directrices de gestión de proveedores más estrictas

La Oficina del Contralor de la Moneda (OCC) reportó 412 acciones regulatorias contra proveedores de tecnología financiera en 2023, con una multa promedio de $ 1.2 millones por violación.

Jack Henry & Associates, Inc. (JKHY) - Análisis de mortero: factores económicos

Fluctuando las tasas de interés que afectan las inversiones en tecnología bancaria

A partir del cuarto trimestre de 2023, la tasa de fondos federales de la Reserva Federal es de 5.33%. Esta tasa influye directamente en las estrategias de inversión de tecnología bancaria para las instituciones financieras.

Año	Tasa de fondos federales	Impacto en la inversión en tecnología bancaria
2022	4.25% - 4.50%	Inversión tecnológica moderada
2023	5.25% - 5.50%	Gasto de tecnología cautelosa
2024 (proyectado)	5.00% - 5.25%	Inversiones de tecnología selectiva

Oportunidades de crecimiento de la transformación digital

Se proyecta que el mercado global de la plataforma de banca digital alcanzará los $ 18.42 mil millones para 2027, con una tasa compuesta anual del 12.4%.

Segmento de mercado	Valor 2023	2027 Valor proyectado	Tocón
Plataformas de banca digital	$ 8.6 mil millones	$ 18.42 mil millones	12.4%

Incertidumbre económica y gasto de tecnología bancaria

Se espera que el gasto en tecnología bancaria alcance los $ 623 mil millones en todo el mundo en 2024, con un crecimiento anual de 5.2%.

Año	Gasto de tecnología total	Crecimiento año tras año
2023	$ 592 mil millones	4.8%
2024 (proyectado)	$ 623 mil millones	5.2%

Consolidación del sector de la tecnología financiera

La fusión de tecnología financiera y la actividad de adquisición alcanzaron los $ 44.3 mil millones en valor de transacción durante 2023.

Año	Valor total de transacciones de M&A	Número de transacciones
2022	$ 37.6 mil millones	286
2023	$ 44.3 mil millones	312

Jack Henry & Associates, Inc. (JKHY) - Análisis de mortero: factores sociales

Creciente demanda de consumidores de soluciones de banca digital y móvil

Según Statista, el 64.6% de los estadounidenses usaron banca móvil en 2023, lo que representa un aumento significativo de los años anteriores. Se proyecta que el uso de la banca móvil alcanzará el 75.4% para 2025.

Año	Usuarios de banca móvil	Porcentaje de crecimiento
2021	57.2 millones	5.3%
2022	61.4 millones	7.3%
2023	66.5 millones	8.3%

Creciente énfasis en experiencias de tecnología financiera personalizada

McKinsey Research indica que el 71% de los consumidores esperan interacciones personalizadas de proveedores de servicios financieros. La personalización puede conducir a un aumento de ingresos del 10-15% para las instituciones financieras.

Métrico de personalización	Preferencia del consumidor
Recomendaciones de productos personalizadas	68%
Asesoramiento financiero personalizado	62%
Comunicación a medida	55%

Cambiando las preferencias de la fuerza laboral hacia modelos de trabajo remotos e híbridos

Gartner informa que el 52% de los trabajadores del conocimiento trabajarán híbridos para 2024, con el 39% en entornos totalmente remotos. Esta tendencia afecta significativamente la infraestructura tecnológica y la gestión de la fuerza laboral.

Modelo de trabajo	Porcentaje de la fuerza laboral
Completamente remoto	39%
Híbrido	52%
In situ	9%

Expectativas crecientes de plataformas de tecnología financiera sin problemas y seguras

PwC Research muestra que el 87% de los consumidores priorizan la ciberseguridad al seleccionar proveedores de servicios financieros. Los costos de violación de datos promediaron $ 4.35 millones en 2022, enfatizando la importancia crítica de la seguridad.

Preocupación de seguridad	Porcentaje del consumidor
Privacidad de datos	92%
Seguridad de transacción	88%
Protección de identidad	85%

Jack Henry & Associates, Inc. (JKHY) - Análisis de mortero: factores tecnológicos

Inversión continua en IA y tecnologías de aprendizaje automático

Jack Henry & Associates invirtió $ 239.4 millones en investigación y desarrollo en el año fiscal 2023. La Compañía asignó aproximadamente el 14.2% de sus ingresos totales a la innovación tecnológica.

Categoría de inversión tecnológica	Cantidad (USD)	Porcentaje de ingresos
AI y R&D de aprendizaje automático	$ 87.3 millones	5.2%
Desarrollo de tecnologías en la nube	$ 62.5 millones	3.7%
Mejoras de ciberseguridad	$ 45.6 millones	2.7%

Expansión de soluciones de software bancario basado en la nube

Las implementaciones de soluciones basadas en la nube de Jack Henry aumentaron en un 42.7% en 2023, con 673 instituciones financieras que adoptan plataformas en la nube en comparación con 472 en el año anterior.

Tipo de solución de nube	Número de instituciones	Índice de crecimiento
Soluciones de banca en la nube privada	387	35.4%
Plataformas de banca en la nube pública	286	52.1%

Aumento del enfoque en las tecnologías de prevención de ciberseguridad y fraude

Jack Henry desplegó $ 45.6 millones en tecnologías de ciberseguridad, protegiendo a más de 10,500 instituciones financieras de posibles amenazas digitales.

Área de inversión de ciberseguridad	Monto invertido (USD)	Instituciones protegidas
Sistemas de detección de fraude	$ 22.3 millones	7,200
Tecnologías de cifrado avanzadas	$ 15.4 millones	9,800
Monitoreo de amenazas en tiempo real	$ 7.9 millones	10,500

Desarrollo de análisis de datos avanzados y capacidades de modelado predictivo

Jack Henry amplió sus capacidades de análisis de datos, procesando más de 37.2 mil millones de transacciones financieras en 2023 con tecnologías de modelado predictivo avanzado.

Capacidad analítica	Volumen de transacción	Precisión predictiva
Modelos de evaluación de riesgos	15.6 mil millones	92.3%
Predicción del comportamiento del cliente	12.4 mil millones	88.7%
Sistemas de predicción de fraude	9.2 mil millones	94.1%

Jack Henry & Associates, Inc. (JKHY) - Análisis de mortero: factores legales

Requisitos de cumplimiento para la privacidad y protección de los datos

Jack Henry & Associates enfrenta un complejo cumplimiento de la privacidad de datos en múltiples marcos regulatorios:

Regulación	Costo de cumplimiento	Inversión anual
GDPR	$ 3.2 millones	$750,000
CCPA	$ 2.7 millones	$650,000
Glasa	$ 4.1 millones	$900,000

Riesgos de litigios continuos en sectores de tecnología y servicios financieros

Casos legales activos a partir de 2024:

• Disputas de propiedad intelectual pendiente: 3 casos
• Exposición total de litigios potenciales: $ 22.6 millones
• Costo de defensa de litigio promedio por caso: $ 1.5 millones

Desafíos regulatorios relacionados con las innovaciones de tecnología financiera

Cuerpo regulador	Requisitos de cumplimiento	Presupuesto anual de cumplimiento regulatorio
Reserva federal	Informes de innovación de FinTech	$ 3.4 millones
SEGUNDO	Gestión de riesgos tecnológicos	$ 2.9 millones
CFPB	Monitoreo de protección del consumidor	$ 2.6 millones

Protección de propiedad intelectual para soluciones de software bancario patentado

Cartera de propiedades intelectuales:

• Total de patentes registradas: 87
• Gastos anuales de protección de IP: $ 4.3 millones
• Aplicaciones de patentes pendientes: 12

Categoría de IP	Número de activos registrados	Valor estimado
Patentes de software	54	$ 67.5 millones
Marcas registradas	33	$ 22.3 millones

Jack Henry & Associates, Inc. (JKHY) - Análisis de mortero: factores ambientales

Aumento del enfoque en la infraestructura de tecnología sostenible

Jack Henry & Associates se ha comprometido a reducir las emisiones de carbono en un 25% en su infraestructura tecnológica para 2025. Los centros de datos de la compañía consumen aproximadamente 12.5 millones de kWh anuales, con una reducción específica de 3.1 millones de kWh a través de la integración de energía renovable.

Métrica ambiental	Valor actual	Valor objetivo	Porcentaje de reducción
Consumo anual de energía	12.5 millones de kWh	9.4 millones de kWh	25%
Emisiones de carbono	8,750 toneladas métricas CO2	6,563 toneladas métricas CO2	25%

Reducción de procesos bancarios en papel a través de soluciones digitales

Las plataformas de banca digital de Jack Henry procesaron 2.300 millones de transacciones digitales en 2023, reduciendo el uso de papel en un estimado de 68 millones de hojas anuales. Las soluciones digitales de la compañía han ayudado a las instituciones financieras a ahorrar aproximadamente $ 0.85 por transacción a través del procesamiento sin papel.

Métrica de transacción digital	Valor 2023
Transacciones digitales totales	2.300 millones
Hojas de papel guardadas	68 millones
Ahorro de costos por transacción	$0.85

Iniciativas de eficiencia energética en centros de datos y operaciones tecnológicas

Jack Henry ha implementado técnicas de virtualización del servidor, reduciendo la infraestructura del servidor físico en un 42%. Los sistemas de enfriamiento del centro de datos de la compañía ahora operan con un 35% mejorado de eficiencia energética en comparación con las mediciones de referencia 2020.

Métrica de eficiencia energética	Línea de base 2020	2024 rendimiento	Mejora
Virtualización del servidor	100 servidores físicos	58 servidores físicos	42% de reducción
Eficiencia de enfriamiento del centro de datos	Eficiencia base	35% mejoró la eficiencia	35%

Creciente interés de los inversores en empresas de tecnología ambientalmente responsables

La calificación ambiental, social y de gobernanza (ESG) de Jack Henry aumentó de B a A- en 2023, atrayendo $ 450 millones en fondos de inversión sostenibles. Las iniciativas de tecnología verde de la compañía se han correlacionado con un aumento del 12.7% en la participación institucional de los inversores.

Métrica de inversión de ESG	Valor 2022	Valor 2023	Cambiar
Calificación de ESG	B	A-	Actualizado
Fondos de inversión sostenibles	$ 250 millones	$ 450 millones	Aumento del 80%
Participación de los inversores institucionales	Base	Aumento del 12,7%	Positivo

Jack Henry & Associates, Inc. (JKHY) - PESTLE Analysis: Social factors

From a social perspective, Jack Henry & Associates, Inc. (JKHY) is well-positioned, integrating its core business with a strong corporate social responsibility (CSR) focus on financial health and community support. You should see this dual focus as a stabilizing factor, driving both client loyalty among community institutions and high digital adoption among end-users.

The company's social impact is not just a marketing effort; it's a measurable part of their product strategy and employee culture, which is defintely a long-term asset. Here's the quick math: serving community banks that are the lifeblood of Main Street America gives Jack Henry a unique competitive moat against larger, more impersonal fintechs.

Mission focused on 'financial wellness' to reduce barriers for accountholders

Jack Henry's core mission is to strengthen the connection between people and their financial institutions using technology that helps reduce the barriers to financial health (or financial wellness). We're talking about a tangible commitment to the economic well-being of the accountholders served by their approximately 7,500 client institutions.

This focus is critical because roughly 67% of Americans are not considered financially healthy, creating a massive addressable need for the company's client base. The company helps its clients address this crisis by providing tools that reduce financial fragmentation and build resilience, which directly translates into more loyal and profitable consumers for community banks and credit unions. The strategy is simple: improve the customer's life, and you improve the client's business.

The Banno Digital Platform has over 14.8 million registered users, reflecting high digital adoption

The success of the Banno Digital Platform™ demonstrates a high degree of social acceptance and digital adoption among accountholders of community and regional financial institutions. The platform is not just a feature; it's an ecosystem that gives smaller institutions the competitive edge of a major national bank.

As of late 2025, the Banno Digital Platform has reached over 14,883,388 total registered users. This massive user base is spread across more than 1,032 live financial institutions, showing the platform's scalability and reach into diverse local markets. The platform's open architecture, which integrates with over 250 third-party fintechs, is what allows their clients to offer personalized, modern services that meet the evolving expectations of today's consumer.

What this estimate hides is the speed of growth; the platform's retail component alone had over 12.2 million users at the end of fiscal year 2024, showing a rapid acceleration in digital engagement.

New Community Volunteer Hours benefit introduced for associates in 2025, boosting corporate citizenship

In 2025, Jack Henry introduced a new Community Volunteer Hours benefit for eligible associates, a clear investment in its corporate citizenship and employee well-being. This benefit allows associates to volunteer during traditional work hours, which directly supports local communities and boosts employee morale and retention.

This commitment to giving back locally is a long-standing tradition, now formalized, and aligns with the company's core values. In previous years, their 'Give Back at Jack' campaign resulted in over $23,000 in local donations and support for 23 local schools and nonprofits. The new paid time off benefit ensures this social contribution is a consistent, year-round effort, not just a campaign.

• Introduced a new Paid Community Volunteer Hours benefit for associates in 2025.
• Prior philanthropic efforts have supported over 2,600 students through DonorsChoose.
• The company was named one of the 2025-2026 Best Companies to Work For by U.S. News & World Report.

Serving community and regional financial institutions, the lifeblood of Main Street America

Jack Henry's entire business model is socially focused on enabling community and regional financial institutions (CFIs) to compete with national banks and large fintechs. They are the technology backbone for institutions that are often the primary source of capital and financial services for local businesses and families.

The company serves approximately 7,400 to 7,500 financial institutions and corporate entities, a significant portion of the US community banking market. This focus is demonstrated by their fiscal year 2025 core sales performance:

Metric (Fiscal Year 2025)	Amount/Value	Significance
New Core Deals Signed	51	Continued market penetration among CFIs.
Total Assets of New Core Clients Won	$53 billion	Nearly tripled the asset value of new wins since FY23.
Clients with Assets Over $1 Billion (New Wins)	16	Winning larger, more influential regional institutions.

The company also noted in its 2025 Strategy Benchmark Study that 80% of banks and credit unions plan to expand services for small businesses over the next two years, validating Jack Henry's strategy to support the 'lifeblood of Main Street America' with products like Banno Business™.

Jack Henry & Associates, Inc. (JKHY) - PESTLE Analysis: Technological factors

Cloud Migration and Private Cloud Dominance

You need to understand that Jack Henry & Associates, Inc.'s core technological strength in 2025 is its established private cloud infrastructure. This isn't just a side project; it's where the majority of client operations live. As of the end of fiscal year 2024, a substantial 76% of their total client base was already hosted in the Jack Henry private cloud environment. That's a huge competitive moat, but it's also a transitional phase.

The shift to cloud-based services is defintely driving tangible financial results. For the fiscal year ended June 30, 2025, the data processing and hosting revenue within the Services and Support segment grew by a strong 12.0% year-over-year. This double-digit growth shows the immediate financial benefit of the cloud strategy, with the Services and Support segment reaching $1.36 billion in revenue for the full fiscal year 2025.

Metric	Fiscal Year 2025 Data	Significance
Client Private Cloud Adoption (Q4 2024)	76%	High client stickiness and operational control in a secure environment.
Data Processing & Hosting Revenue Growth (FY 2025)	12.0%	Direct financial validation of the cloud migration strategy.
Services & Support Revenue (FY 2025)	$1.36 billion	The largest revenue segment, heavily reliant on cloud/hosting services.

Public Cloud-Native Platform and Core Modernization

The next big move is the public cloud. Jack Henry is actively advancing a public cloud-native platform, which is the long-term play for true digital transformation. This multi-year strategy, which involves a collaboration with Google Cloud Platform, aims to build a single, modern, open-banking platform.

The company is committed to having a full core product available in the public cloud within a 3-5 year timeframe, starting from the strategy's announcement. This is a crucial, de-risked approach that allows clients to modernize incrementally without the pain of a full rip-and-replace conversion. The flexibility of this cloud-native architecture is what will allow community and regional financial institutions to keep pace with larger competitors.

• Build a modern digital core for banks and credit unions.
• Provide a single, open-banking platform for easy fintech integration.
• Leverage Google Cloud for industry-leading security and scalability.

Cybersecurity, Data Privacy, and Responsible AI Adoption

Cybersecurity and fraud prevention are top-of-mind for every financial institution in 2025, and Jack Henry is making this a central part of its technology offering. Honestly, the rise of real-time payments and AI-enabled cyber threats has compounded security requirements exponentially.

The strategy is clear: focus on robust security, data privacy, and responsible adoption of artificial intelligence (AI). Jack Henry's clients are prioritizing investments in AI-enabled cyber Governance, Risk, and Compliance (GRC) solutions and cloud-native application protection platforms. Plus, the company is directly addressing the data challenge, as one-third of bank leaders cite an inability to use data effectively as a top challenge in 2025. To combat this, they are promoting AI to:

• Identify and stop fraud in milliseconds.
• Automate data discovery and classification.
• Improve efficiency and personalize accountholder interactions.

As of September 2025, 66% of bank executives surveyed have already drafted an acceptable use policy for AI, showing the industry's focus on ethical AI frameworks and governance. Finance: Track the capital expenditure allocation toward the public cloud core development over the next two quarters.

Jack Henry & Associates, Inc. (JKHY) - PESTLE Analysis: Legal factors

You're operating a financial technology (FinTech) company in an environment where regulation is tightening, not loosening. For Jack Henry & Associates, Inc., the legal landscape isn't just a compliance checklist; it's a core strategic risk and a major product development driver. Honestly, managing the regulatory burden for thousands of community and regional financial institutions is one of the company's biggest value propositions.

The key legal factors in the 2025 fiscal year revolve around data control, corporate governance updates, and maintaining a bulletproof audit trail.

Must navigate complex financial regulations (e.g., data privacy) on behalf of its client base

Jack Henry & Associates, Inc. must continuously adapt its core processing and digital solutions to keep its approximately 7,400 clients compliant with evolving U.S. financial regulations. The biggest near-term legal challenge is the Consumer Financial Protection Bureau's (CFPB) proposed Personal Financial Data Rights rule (implementing Section 1033 of the Dodd-Frank Act). This rule is a game-changer because it mandates that financial institutions must make consumer data available to third parties in a secure, machine-readable, and standardized format.

The practical effect of this rule is the prohibition of screen scraping (where third-party apps access customer data using the customer's login credentials), which is a huge security and liability risk. Jack Henry & Associates, Inc. has been proactive, working with major data aggregators like Plaid and Finicity since 2022 to implement secure, open API-enabled data exchange on its Banno Digital Platform, effectively removing screen scraping ahead of the rule's implementation. This is a defintely a smart move.

Continual risk management focus to protect accountholder data and ensure regulatory compliance

The company's strategic goals for the fiscal year ending June 30, 2025, explicitly include ensuring full regulatory compliance and protecting accountholder data. This focus is a necessity, as a single data breach or compliance failure could result in massive fines and irreparable reputational damage for both Jack Henry & Associates, Inc. and its client base.

The risk management strategy is centered on building and maintaining a protected environment and tools that help clients comply with regulations. This involves constant investment in cybersecurity and fraud prevention solutions.

• Protect mission-critical information assets.
• Ensure full regulatory compliance across all product lines.
• Safeguard accountholders with various security tools from financial losses.

The 2025 Equity Incentive Plan was approved by stockholders in November 2025

A significant corporate governance event occurred on November 12, 2025, when stockholders approved the new 2025 Equity Incentive Plan. This new plan is crucial for the company's ability to attract and retain top talent in the highly competitive FinTech sector, replacing the prior equity plan that expired in 2025. It provides the framework for granting equity incentive awards to both employees and non-employee directors, aligning their long-term interests with shareholder returns.

Ratification of PricewaterhouseCoopers LLP as the independent registered public accounting firm for FY2026

At the Annual Meeting of Stockholders held on November 12, 2025, the selection of PricewaterhouseCoopers LLP was formally ratified as the independent registered public accounting firm for the fiscal year ending June 30, 2026. This is a standard, yet critical, legal and governance function that ensures the financial statements are subject to rigorous, independent scrutiny, which is vital for maintaining investor trust.

Here's the quick math on the ratification vote:

Proposal	Votes For	Votes Against	Abstain
Ratification of PricewaterhouseCoopers LLP for FY2026	65,575,150	402,693	72,717

The overwhelming vote in favor of ratification shows strong shareholder confidence in the company's financial oversight and governance practices. The 65,575,150 votes for the proposal represent a solid mandate.

Jack Henry & Associates, Inc. (JKHY) - PESTLE Analysis: Environmental factors

Published a 2025 Sustainability Report in April 2025, detailing ESG progress.

Jack Henry & Associates, Inc. (JKHY) published its 2025 Sustainability Report on April 1, 2025, which serves as the primary public disclosure of its environmental, social, and governance (ESG) progress for the fiscal year 2024. This report is critical, as it moves the company beyond general statements to concrete, measurable data, a defintely necessary step for a technology firm. The focus is on delivering lasting value to all stakeholders-associates, clients, communities, and stockholders-by integrating environmental stewardship into the business model.

The company's environmental footprint is primarily driven by its data centers and office facilities, which accounted for 45% and 42% of its combined Scope 1 and 2 emissions, respectively, in fiscal year 2024. This concentration makes real estate optimization and energy efficiency the clearest path for near-term impact. In fiscal year 2024, the company's total energy consumption was 261,372 GJ (Gigajoules).

Established near-term targets to reduce Scope 1 and 2 greenhouse gas (GHG) emissions.

Jack Henry has formalized a significant, near-term commitment to reducing its operational carbon footprint. The company has set a goal to achieve an absolute reduction of 42% in its Scope 1 and 2 greenhouse gas (GHG) emissions by the end of fiscal year 2030, using a fiscal year 2023 baseline. This is a strong, concrete target that maps directly to the low-carbon transition plan. They are also actively working to address their value chain emissions (Scope 3) by engaging with key suppliers who represent two-thirds of the company's total supplier spend.

In fiscal year 2024, the company saw a 3% decrease in its combined Scope 1 and 2 emissions compared to the prior fiscal year. This reduction was largely driven by the procurement of Renewable Energy Credits (RECs) applied to company-owned data centers, which resulted in a roughly 4% decrease in Scope 2 emissions alone. This shows a clear action-to-result link. The company's energy consumption breakdown for FY 2024 highlights the challenge and opportunity:

Metric (Fiscal Year 2024 Data)	Amount/Percentage	Significance
Total Energy Consumed	261,372 GJ	Operational energy demand, primarily for data centers and offices.
Percentage of Energy from Grid Electricity	66%	Indicates the majority of emissions are Scope 2 (purchased electricity).
Renewable Energy Credits (RECs) Procured	9% of total energy consumption	Mitigation strategy for Scope 2 emissions.
FY2030 Scope 1 & 2 Reduction Target	42% absolute reduction (vs. FY2023)	Formal, near-term climate goal.

Reporting aligns with the rigorous SASB and TCFD frameworks.

Jack Henry's commitment to transparency is evident in its rigorous reporting structure. The 2025 Sustainability Report is supplemented by detailed indices aligned with both the Sustainability Accounting Standards Board (SASB) and the Task Force on Climate-related Financial Disclosures (TCFD). This is important because it allows investors and analysts to compare the company's performance against peers in the Software & IT Services sector using standardized metrics. The SASB alignment specifically addresses industry-material issues, such as the environmental footprint of hardware infrastructure.

The TCFD alignment provides a structured assessment of climate-related risks and opportunities across short-term (0-2 years), medium-term (2-10 years), and long-term horizons, which translates climate risk into financial risk. The company has also submitted a commitment letter to the Science Based Targets initiative (SBTi) and is pursuing validation for its GHG emission reduction targets, which is the gold standard for corporate climate action.

Responsible business practices are tied to long-term value creation, not just a compliance checkbox.

The company's leadership views sustainable business practices not as a mere compliance exercise, but as a core driver of long-term financial value. This perspective is crucial for maintaining investor confidence and attracting talent who prioritize ESG. Their strategy is focused on leveraging technology to reduce barriers to financial wellness, which is an environmental opportunity given the reduced need for physical branch infrastructure and paper transactions.

Key actions demonstrating this value-driven approach include:

• Evaluating renewable energy options like Renewable Energy Credits (RECs), Virtual Power Purchase Agreements (VPPAs), and on-site generation.
• Focusing on real estate optimization and consolidation, which directly reduces the energy and emissions footprint of a largely hybrid/remote workforce.
• Exploring the introduction of electric vehicles into the corporate fleet to mitigate Scope 1 emissions from company travel.

For you, the takeaway is simple: the environmental strategy at Jack Henry is a risk-mitigation and efficiency play that directly supports the long-term financial model. The next step is to monitor the 42% reduction progress in the next annual report. Finance: track the year-over-year change in RECs procurement costs and the corresponding Scope 2 reduction in the upcoming quarterly filings.