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A complete digital banking platform with real-time, personalized user experience across devices. Features include account opening, money movement, conversational support, financial insights, and a modern API-first architecture.
More about Jack Henry & Associates
Online and mobile banking applications that allow customers to access their accounts, make transactions, and manage their finances remotely.
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Mobile App Availability Whether the platform offers a dedicated mobile application for iOS and Android devices |
Banno Digital Platform offers a mobile app for iOS and Android as highlighted on their website and marketing materials. | |
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Responsive Web Design Whether the web platform automatically adjusts to different screen sizes and devices |
Responsive design is a core UX principle described in the product description, enabling use across all device types. | |
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Biometric Authentication Support for fingerprint, facial recognition, or other biometric login methods |
Biometric login options (fingerprint/face) are advertised as standard security measures in Banno's official documentation. | |
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UI Customization Ability for users to personalize their dashboard, widgets, and interface elements |
Users can customize dashboards and widgets, according to product demos and support documentation. | |
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Accessibility Compliance Adherence to WCAG or similar accessibility standards for users with disabilities |
Banno states accessibility compliance to WCAG Level AA; details in their documentation. | |
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Dark Mode Support Option for users to switch to a dark color scheme to reduce eye strain |
Dark mode is listed as a feature in recent product releases and user guides. | |
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Multi-language Support Number of languages available for users to interact with the platform |
No information available | |
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Page Load Speed Average time it takes for pages to load fully on the platform |
No information available | |
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Single Sign-On (SSO) Ability to use one set of login credentials across multiple services or platforms |
Banno supports SSO integration as part of its authentication stack. | |
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Push Notifications Support for sending real-time alerts to users' devices |
Push notifications are advertised for account activity and security events. | |
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In-app Chat Support Live chat functionality for customer service directly within the platform |
In-app chat support is available as 'conversational support' per their website. | |
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Voice Banking Integration Integration with voice assistants like Alexa, Google Assistant, or Siri |
Voice banking integrations (Alexa, Siri, Google) are referenced in platform documentation. | |
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User Satisfaction Score Average rating from user feedback on experience and usability |
No information available |
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Real-time Balance Updates Whether account balances are updated in real-time as transactions occur |
Account balances update in real time, as claimed repeatedly in marketing and technical information. | |
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Transaction History Depth How far back users can view their transaction history |
No information available | |
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Transaction Search Ability to search through past transactions using various filters |
Full transaction search and filtering are demoed in product videos. | |
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Transaction Categorization Automatic categorization of transactions (e.g., groceries, utilities) |
Automatic categorization is among PFM tools described on the Banno platform page. | |
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Multi-account Dashboard Consolidated view of all accounts (checking, savings, loans, etc.) in one interface |
Multi-account dashboard views are provided in both mobile and web interfaces. | |
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Account Nickname Customization Ability for users to rename accounts with personalized labels |
Account nickname customization is available in account settings, according to user guides. | |
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Statement Generation Ability to generate and download account statements for specific periods |
Statement download/generation is provided for specified date ranges, as per support documentation. | |
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Tax Document Access Availability of tax-related documents (e.g., 1099-INT) within the platform |
Tax documents (e.g., 1099) are available through Banno's digital banking interfaces. | |
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Account Closure Self-service functionality to close accounts without visiting a branch |
Not as far as we are aware.* Account closure requires contacting the bank, not currently a self-service feature per support FAQ. | |
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Account Alerts Customizable notifications for account activities (e.g., low balance) |
Customizable account alerts are detailed in account notification settings. | |
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External Account Linking Ability to connect and view accounts from other financial institutions |
Platform provides external account linking and viewing via open banking APIs. | |
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Account Opening Ability to open new accounts entirely through the digital platform |
Digital account opening is a central feature per Banno marketing. |
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Internal Transfer Speed How quickly transfers between accounts at the same bank are processed |
No information available | |
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External Transfer Options Number of methods available for transferring to external accounts (ACH, wire, etc.) |
No information available | |
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Bill Pay Service Functionality to schedule and manage payments to service providers and billers |
Bill pay for utilities and service providers is included in standard features. | |
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P2P Payment Integration Integration with peer-to-peer payment services (Zelle, Venmo, etc.) |
Zelle P2P payment integration is provided and advertised. | |
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Recurring Transfers Ability to set up automatic, repeating transfers between accounts |
Recurring transfers can be scheduled between accounts, as documented in product help. | |
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Transfer Limits Maximum amount that can be transferred in a single transaction |
No information available | |
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International Wire Support Ability to initiate and track international wire transfers |
International wire transfer support is mentioned as a feature, subject to FI enablement. | |
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Real-time Payments Support for instant payment networks like RTP or FedNow |
Real-time payments (RTP) are supported via integration with Jack Henry's JHA PayCenter. | |
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QR Code Payments Support for generating or scanning QR codes to initiate payments |
No information available | |
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Mobile Check Deposit Functionality to deposit checks by taking photos with a mobile device |
Mobile check deposit is a standard capability per Banno app feature list. | |
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Bill Payment Reminders Proactive notifications about upcoming bill payments |
Bill pay reminders/alerts are sent via push notification or SMS. | |
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Transfer Templates Ability to save transfer details for frequent transactions |
Users can save recurring payment and transfer templates. | |
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Payment Status Tracking Ability to track the status of payments and transfers in real-time |
Payment and transfer status is tracked in the transaction history section. |
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Multi-factor Authentication Requiring multiple forms of verification before granting account access |
Multi-factor authentication is a mandatory feature for all digital access. | |
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Encryption Level Strength of encryption used to protect data (e.g., 128-bit, 256-bit) |
No information available | |
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Automatic Session Timeout Whether the system automatically logs users out after a period of inactivity |
Session timeouts for inactivity are enabled by default. | |
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Device Recognition System can identify and flag logins from new or unrecognized devices |
Platform recognizes new/unregistered devices and triggers step-up authentication. | |
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Fraud Monitoring Active monitoring systems that detect and flag suspicious activities |
Active monitoring for suspicious or fraudulent activities is advertised as part of Banno's security suite. | |
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Transaction Verification Secondary verification required for high-risk or unusual transactions |
High-risk transactions prompt secondary verification (e.g., one-time passcode). | |
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Card Controls Ability to freeze/unfreeze cards, set usage limits, or restrict geographical usage |
Card controls (block, unfreeze, limits) available in platform and app. | |
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Security Alerts Notifications for security-related events (password changes, logins, etc.) |
Security alerts sent for logins, password changes, suspicious activity, etc. | |
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Vulnerability Testing Frequency How often the platform undergoes security testing and assessments |
No information available | |
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Fraud Guarantee Financial protection offered to customers in case of fraudulent transactions |
Not as far as we are aware.* No explicit 'fraud guarantee' (customer restitution) mentioned in their documentation. | |
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Privacy Controls User options to control data sharing and privacy preferences |
Users can adjust privacy and data sharing settings per platform controls. | |
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IP Blocking Ability to block access from suspicious IP addresses or regions |
IP and region-based blocking is part of Banno's security features as per technical documentation. | |
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Compliance Certifications Number of security and compliance certifications held (PCI DSS, ISO 27001, etc.) |
No information available |
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Spending Analysis Tools that analyze and visualize spending patterns across categories |
Spending analysis and visualization tools are shown in platform overviews and PFM module descriptions. | |
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Budgeting Tools Features that help users create and monitor budgets |
Budgeting features included in the integrated PFM tools. | |
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Financial Goal Setting Ability to set and track progress toward financial goals |
Financial goal setting and progress tracking are part of the PFM suite. | |
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Net Worth Tracking Calculation and visualization of overall financial position |
Net worth tracking is enabled via aggregation of accounts and assets. | |
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Cash Flow Forecasting Prediction of future account balances based on recurring transactions |
Cash flow forecasting tools are present in the PFM modules. | |
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Automated Savings Tools that automatically move money to savings based on rules or AI |
Automated savings via transfer rules are supported by Banno. | |
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Investment Tracking Ability to monitor investment performance within the platform |
Banno enables investment account aggregation and tracking where bank supports it. | |
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Financial Health Score Personalized scoring system to assess overall financial wellbeing |
No information available | |
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Debt Payoff Planning Tools to create and optimize strategies for debt reduction |
Debt payoff planning is part of the financial planning tools discussed in user documentation. | |
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Bill Negotiation Services Features that help users identify and reduce recurring expenses |
No information available | |
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Tax Optimization Suggestions Recommendations for minimizing tax liability based on spending and income |
No information available | |
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Financial Education Content Availability of educational resources about financial topics |
Educational content, articles, and guides are available in-app and on the web platform. | |
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Subscription Tracking Identification and management of recurring subscription payments |
Subscription tracking and management are possible via spending analysis within PFM. | |
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Historical Data Range How far back the PFM tools analyze financial history |
No information available |
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Credit Score Access Free access to credit score information within the platform |
Credit score access is a commonly integrated third-party module in Banno, as listed on their integrations page. | |
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Credit Score Simulator Tools that show how different actions might affect credit scores |
No information available | |
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Loan Application Process Ability to apply for loans entirely through the digital platform |
Loan application is fully digital as touted on the platform's marketing. | |
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Loan Application Speed Average time from application submission to decision |
No information available | |
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Pre-qualification Tools Features that assess eligibility for products without affecting credit score |
No information available | |
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Loan Management Tools to view, manage, and make extra payments on existing loans |
Loan management, including extra payment, is accessible in Banno's account management. | |
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Credit Card Management Specialized tools for managing credit card accounts and rewards |
Credit card management (transactions, limits, rewards) is supported natively. | |
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Interest Rate Comparison Features that compare available interest rates across products |
Interest rate comparison tools are available for users seeking new accounts/loans. | |
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Debt Consolidation Tools Resources to help combine multiple debts into a single loan |
No information available | |
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Automatic Payment Options Setup for automatic loan or credit card payments |
Automatic payment options are a standard offering for loans/credit cards. | |
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Credit Limit Increase Requests Self-service tools to request higher limits on credit products |
Users can request credit limit increases via digital banking interface. | |
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Personalized Loan Offers Customized lending offers based on the customer's financial profile |
Personalized loan offers displayed based on user profile and eligibility. | |
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BNPL Integration Integration with Buy Now, Pay Later services for purchases |
No information available |
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In-app Chat Support Live chat functionality directly within the platform |
In-app/live chat is repeatedly highlighted as a customer service feature. | |
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AI Chatbot Assistance Automated conversational interface for answering questions and solving issues |
AI-powered support chatbot is demonstrated in product materials. | |
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Video Banking Ability to video conference with bank representatives |
No information available | |
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Co-browsing Support Feature allowing support staff to see and navigate the customer's screen |
No information available | |
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Support Hours Number of hours per day that live support is available |
No information available | |
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Self-service Knowledge Base Searchable repository of help articles and guides |
A searchable online help/knowledge base is referenced on vendor website. | |
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Branch/ATM Locator Tools to find nearby physical banking locations |
Branch/ATM locator tools are accessible in mobile/web platforms. | |
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Appointment Scheduling Ability to schedule in-person or virtual meetings with bank staff |
Users can schedule appointments with representatives via the platform. | |
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Feedback Mechanisms Tools for customers to provide input on the banking experience |
Feedback tools are embedded within the product interface for customer input. | |
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Support Request Tracking System for monitoring the status of customer service inquiries |
Support ticket/request tracking is built into the support module. | |
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Average Response Time Typical time to receive a response to support inquiries |
No information available | |
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Call-back Options Feature allowing customers to request a call rather than waiting on hold |
No information available | |
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Social Media Support Customer service available through social media channels |
No information available |
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Open Banking API Availability of APIs that allow third-party developers to build on the platform |
Open Banking API is a core part of the platform's integration model. | |
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External Account Aggregation Ability to pull in data from accounts at other financial institutions |
External account aggregation is provided via open banking and direct integration. | |
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Number of API Endpoints Quantity of different API services available for integration |
No information available | |
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Digital Wallet Integration Support for Apple Pay, Google Pay, Samsung Pay, etc. |
Digital wallet integration includes Apple Pay and Google Pay, as per feature lists. | |
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Personal Finance App Connectivity Direct integration with budgeting and financial planning apps |
Supports connectivity with personal finance apps (e.g., Mint) using APIs and aggregation. | |
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Accounting Software Integration Ability to connect with QuickBooks, Xero, or other accounting systems |
Integration with accounting systems (e.g., QuickBooks) available for business users. | |
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eCommerce Platform Integration Built-in connections to online shopping and payment platforms |
eCommerce platform integrations are referenced for business banking users. | |
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Wearable Device Support Banking functionality on smartwatches or other wearable technology |
Banno app supports some smartwatch functionality (Apple Watch integration confirmed). | |
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IoT Device Integration Connectivity with Internet of Things devices for financial functions |
No information available | |
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Data Export Options Number of formats available for exporting financial data (CSV, PDF, etc.) |
No information available | |
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Tax Software Integration Direct connection to tax preparation software |
Direct export to TurboTax and similar is documented in product FAQ. | |
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Developer Sandbox Testing environment for developers building on the platform |
Developer sandbox access for clients and third parties is available via Jack Henry developer portal. | |
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Webhook Support Ability to trigger automated actions in other systems based on banking events |
Webhook/event support is available for integrations and custom actions. |
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Personalized Insights AI-generated observations about spending patterns and financial behavior |
Personalized insights are generated using AI for user financial behaviors. | |
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Product Recommendations Personalized suggestions for financial products based on user profile |
AI-based product recommendations appear in user dashboard based on profile. | |
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Predictive Cash Flow AI forecasting of future account balances based on historical patterns |
Predictive cash flow forecasting is part of PFM/AI-driven analytics. | |
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Smart Savings Features AI-driven tools that automatically optimize savings based on spending patterns |
Smart savings via AI is included in automated savings features. | |
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Voice Banking Assistant Natural language processing capabilities for voice-based banking |
Voice-based assistant features for natural language interactions exist, as in Alexa/Siri demo integration. | |
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Personalized Interface Dynamic UI that adapts based on user behavior and preferences |
The platform UI adapts to user behavior and preferences, enabling dynamic personalization. | |
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Financial Habit Recognition AI identification of patterns in financial behavior |
AI identifies and surfaces regular spending/saving habits for the user. | |
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Anomaly Detection AI systems that identify unusual transactions or patterns |
Anomaly detection is part of Banno's suite for both security and financial behavior monitoring. | |
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Smart Notification System Contextual alerts based on user behavior and preferences |
User-notification system adapts to behavioral context and preferences. | |
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Behavioral Analytics Capabilities Advanced analysis of user interactions to improve experience |
Behavioral analytics is integral to improving Banno UX and platform optimization. | |
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Custom Financial Advice Personalized financial guidance based on individual circumstances |
Banno provides personalized financial tips/advice based on user profile and data. | |
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Life Event Detection AI recognition of major life changes from transaction patterns |
No information available | |
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Customer Segmentation Granularity Number of distinct customer segments the AI can identify for personalization |
No information available |
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System Uptime Percentage of time the platform is operational and available |
No information available | |
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System Response Time Average time for the system to respond to user requests |
No information available | |
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Concurrent User Capacity Maximum number of simultaneous users the system can support |
No information available | |
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Disaster Recovery Time Time required to restore service after a major outage |
No information available | |
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Update Frequency How often the platform receives feature updates and improvements |
No information available | |
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Backward Compatibility Whether updates maintain compatibility with older devices and OS versions |
Backward compatibility is stressed for all mobile/web updates (older iOS/Android/desktop OS support). | |
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Cloud-based Architecture Whether the platform uses cloud infrastructure versus on-premises |
Public documentation indicates cloud-based infrastructure with AWS and Azure reliance. | |
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Multi-region Deployment Platform operation across multiple geographic regions for redundancy |
Multi-region deployment is a part of their uptime and disaster recovery strategy. | |
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Microservices Architecture Use of modular, independently deployable services |
Banno uses a microservices architecture, per developer documentation. | |
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Database Performance Speed of database queries and transactions |
No information available | |
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API Rate Limits Maximum number of API calls allowed per minute |
No information available | |
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Monitoring Coverage Percentage of system components under active monitoring |
No information available | |
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Data Backup Frequency How often system data is backed up |
No information available | |
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Automated Testing Coverage Percentage of codebase covered by automated tests |
No information available |
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