Jack Henry Study Uncovers Gaps in Consumer Financial Confidence and Digital Experience

Rhea-AI Summary

Jack Henry (Nasdaq: JKHY) released its 2025 Financial Sentiment Study: Consumer Report on Dec 1, 2025, surveying 2,435 consumers across five segments.

Key findings: 52% of consumers feel satisfied with their finances; only 44% consider themselves very or extremely knowledgeable; 47% confident in savings; 46% in financial planning; 39% borrowing confidence. Digital "table stakes" score highest: 71% satisfied with lost/stolen card handling and 69% with bill pay/transfers. Consumers average 14 financial apps on mobile. Jack Henry highlights Banno Digital Platform and JHA OpenAnywhere as solutions for personalization, account aggregation, and event-based financial education.

Positive

• Survey covers 2,435 consumers across five segments
• 71% satisfaction with lost/stolen card digital capability
• 69% satisfaction with bill pay/transfers digital capability
• Consumers use on average 14 financial apps on mobile devices

Negative

• Only 52% of consumers satisfied with their financial situation
• Just 44% consider themselves very or extremely knowledgeable about finances
• 47% confident in savings habits and 46% in financial planning
• Borrowing confidence is low at 39%
• Lowest confidence reported among consumers under 25 and over 65

News Market Reaction

-0.16%

1 alert

-0.16% News Effect

On the day this news was published, JKHY declined 0.16%, reflecting a mild negative market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Survey sample size: 2,435 individuals Financial satisfaction: 52% High financial knowledge: 44% +5 more

8 metrics

Survey sample size 2,435 individuals 2025 Financial Sentiment Study

Financial satisfaction 52% Share satisfied with current financial situation

High financial knowledge 44% Consider themselves very or extremely knowledgeable

Savings confidence 47% Feel confident in their savings habits

Planning confidence 46% Feel confident in financial planning

Borrowing confidence 39% Feel confident about borrowing decisions

Lost/stolen card satisfaction 71% Satisfied with digital handling of lost or stolen cards

Bill pay satisfaction 69% Satisfied with bill pay and transfers

Market Reality Check

Price: $187.82 Vol: Volume 817,015 is in line...

normal vol

$187.82 Last Close

Volume Volume 817,015 is in line with the 828,827 20-day average (relative volume 0.99). normal

Technical Price at 187.18, trading above 200-day MA at 169.79 and within 4.5% of the 196.00 52-week high.

Peers on Argus

JKHY gained 2.64% while peers were mixed: CACI -2.09%, AUR +3.13%, CDW +0.85%, G...

JKHY gained 2.64% while peers were mixed: CACI -2.09%, AUR +3.13%, CDW +0.85%, GIB -0.08%, IT +0.78%. Moves do not indicate a unified sector trend.

Historical Context

5 past events · Latest: Dec 10 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Dec 10	Client win	Positive	+2.6%	Putnam Greene Financial chose Jack Henry to modernize four community banks.
Dec 09	Workplace recognition	Positive	-0.5%	Named to 2026 Best Places to Work in IT with strong ranking.
Dec 04	Client win	Positive	+2.7%	CFG Bank selected Jack Henry to modernize core and digital tech.
Dec 02	Corporate ranking	Positive	-0.9%	Included in Forbes’ 2026 Best Companies in America list.
Dec 01	Research study	Neutral	-0.2%	Released 2025 Financial Sentiment Study on consumer financial confidence.

Pattern Detected

Recent customer wins have coincided with positive price moves, while reputational or study-related news has seen smaller or mixed reactions.

Recent Company History

Over late November and early December 2025, JKHY reported several positive developments: new core and digital technology wins with community banks, national workplace and corporate rankings, and release of its 2025 Financial Sentiment Study. Client modernization deals on Dec 4 and Dec 10 aligned with price gains, while recognition and study releases on Dec 1–2 saw modest or negative moves. The current study news fits this pattern of strategic, brand-building updates rather than transaction-specific catalysts.

Market Pulse Summary

This announcement highlights findings from Jack Henry’s 2025 Financial Sentiment Study of 2,435 cons...

Analysis

This announcement highlights findings from Jack Henry’s 2025 Financial Sentiment Study of 2,435 consumers, showing modest confidence in financial health and strong expectations for digital capabilities. It reinforces how gaps in financial knowledge and money management create opportunities for banks and credit unions to improve engagement through personalized, data-driven tools. In context with recent client wins and corporate recognition, the study adds a demand-side lens; future updates on product adoption and new customer relationships will be key metrics to watch.

Key Terms

fintechs, account aggregation, psychographic data

3 terms

fintechs financial

"Dissatisfied consumers often turn to third-party fintechs or payments apps"

Fintechs are companies that use software and digital tools to deliver or improve financial services—such as payments, banking, lending, investing or insurance—often offering faster, cheaper or more convenient alternatives to traditional providers. For investors, fintechs matter because they can quickly reshape markets and capture growth like a new app that upends an old service, but they also face special risks from regulation, technology failures and intense competition.

account aggregation financial

"Enabling secure account aggregation to provide a holistic view of financial health"

Account aggregation is a service that pulls together balances, transactions and holdings from multiple bank, brokerage and credit accounts into one unified view, like a single dashboard for all your financial “wallets.” Investors care because companies that offer or rely on aggregation can improve customer retention, product insight and cross‑selling, but they also face data‑privacy, security and regulatory risks that can affect revenue and reputation.

psychographic data technical

"segment their customers based on demographic and psychographic data"

Psychographic data describes people’s attitudes, values, interests, lifestyles and personality traits — the “why” behind their choices rather than basic facts like age or location. For investors, it matters because this information helps predict how customers will respond to products, marketing and pricing, which affects sales growth, customer loyalty and the cost of acquiring buyers; it also signals privacy and regulatory risk if mishandled.

AI-generated analysis. Not financial advice.

Banks and credit unions should seize opportunities to lead and build trust

MONETT, Mo., Dec. 1, 2025 /PRNewswire/ -- With the holiday season in full swing – a time when financial stress often peaks – Jack Henry™ (Nasdaq: JKHY) today released its 2025 Financial Sentiment Study: Consumer Report. The survey of 2,435 individuals across five distinct consumer segments reveals how consumers feel about their financial health and where financial institutions can step in to build trust and deliver meaningful guidance.

Key findings:

• Satisfaction levels are concerning.
• Just 52% of consumers feel satisfied with their current financial situation.
• Overall satisfaction was found to be directly linked to knowledge about financial matters, their ability to manage their money, and their confidence in their financial institution. 
• Financial knowledge is limited.
• Just 44% of consumers consider themselves very or extremely knowledgeable about financial matters.
• Knowledge is lowest among the youngest and oldest segments.
• Money management gaps persist.
• Only 47% of consumers feel confident in their savings habits and 46% in financial planning.
• Borrowing confidence is lowest at 39%.
• Digital capabilities are the key to loyalty.
• Consumers are most satisfied with "table stakes" digital capabilities like reporting lost or stolen cards (71%) and bill pay/transfers (69%).
• Satisfaction with the digital experience had the greatest impact on overall satisfaction with their primary financial institution. Dissatisfied consumers often turn to third-party fintechs or payments apps for better digital experiences.
• On average, consumers have 14 financial apps on their mobile devices.
• Life stage matters.
• Consumers in their 30s and early 40s are the most satisfied and confident, while those under 25 and over 65 report the lowest confidence and satisfaction. This underscores the need for financial institutions to segment their customers based on demographic and psychographic data.

Jack Henry's suite of solutions – including Banno Digital Platform™ and JHA OpenAnywhere™ – are designed to meet these evolving needs by:

• Delivering event-based content and personalized financial education
• Enabling secure account aggregation to provide a holistic view of financial health
• Supporting data-driven personalization that builds trust and drives engagement

"This study reinforces the critical role financial institutions play in helping consumers feel more confident in their financial situation and the value they can offer beyond products and services," said Jeff VanDeVelde, senior director of marketing at Jack Henry. "By leveraging data and digital capabilities, banks and credit unions can – and should – position themselves as trusted allies, providing the knowledge and tools needed to navigate life's most memorable moments."

"Everyone recognizes the urgent need to understand Gen Z – what makes them different and how to meet them where they are – but few have clarity on the distinctive behavioral and attitudinal sub-segments within and across generations," said Lee Wetherington, senior director of corporate strategy at Jack Henry. "This study's nuanced insights help identify the digital capabilities that most influence each cohort's satisfaction, which can lead to deeper accountholder relationships and reestablish financial institutions as the center of their financial lives."

Visit jackhenry.com to download the full study.

About Jack Henry & Associates, Inc.®
Jack Henry™ (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For nearly 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.

Statements made in this news release that are not historical facts are "forward-looking statements." Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading "Risk Factors." Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.

View original content to download multimedia:https://www.prnewswire.com/news-releases/jack-henry-study-uncovers-gaps-in-consumer-financial-confidence-and-digital-experience-302628545.html

SOURCE Jack Henry & Associates, Inc.

FAQ

What did Jack Henry's 2025 Financial Sentiment Study (JKHY) find about overall consumer satisfaction?

The study found 52% of consumers feel satisfied with their current financial situation.

How many people were surveyed in Jack Henry's Dec 1, 2025 consumer report (JKHY)?

The study surveyed 2,435 individuals across five consumer segments.

Which digital features drove the highest satisfaction in Jack Henry's 2025 study (JKHY)?

"Table stakes" features led: 71% satisfaction for lost/stolen card handling and 69% for bill pay/transfers.

What financial knowledge gaps did Jack Henry report on Dec 1, 2025 (JKHY)?

Only 44% of consumers consider themselves very or extremely knowledgeable about financial matters.

Which age groups reported the lowest confidence in Jack Henry's 2025 consumer study (JKHY)?

Consumers under 25 and those over 65 reported the lowest confidence and satisfaction.

How does Jack Henry propose financial institutions respond to findings in the 2025 study (JKHY)?

Jack Henry recommends using digital personalization, account aggregation, and event-based financial education via Banno and JHA OpenAnywhere to build trust.