Summary of Jack Henry & Associates (JKHY) 2025 Conference Call Company Overview - **Company**: Jack Henry & Associates (JKHY) - **Date of Conference**: June 11, 2025 - **Speaker**: Mimi Karzly, CFO and Treasurer Key Points Industry Demand and Performance - The current demand environment is characterized as healthy, with expectations of achieving 50 to 55 core wins for the year, consistent with multi-year trends [4][5] - Year-to-date results show approximately 26 to 28 wins, totaling over $30 billion in assets, indicating a strong fourth quarter ahead [4] - Despite economic uncertainties, banks are focused on driving efficiency, deposit gathering, and loan growth, necessitating innovation in technology [6][7] Migration to Private Cloud - Jack Henry is experiencing a long-term trend of migration from on-premise hosting to their private cloud environment, with expectations of 40 to 50 migrations [9] - Currently, 76% of clients have migrated to the private cloud, with a potential revenue uplift of 2x as clients transition [10][12] - The migration is influenced by factors such as the age of technology and internal priorities of financial institutions [10] Consumer Sentiment and Economic Impact - Approximately 25% of Jack Henry's business is tied to consumer sentiment, particularly in the payment and card processing space, with 90% of card business being debit [14] - There was a noted softness in consumer sentiment, leading to a reduction in guidance for card volume expectations [15] Regulatory Environment and M&A - There is a de-escalation in regulatory pressure, providing clarity for financial institutions, which is favorable for Jack Henry's operations [20][21] - The company is not directly benefiting from increased regulation but acknowledges the importance of oversight for consumer protection [22] - M&A remains a key focus, with Jack Henry always looking for opportunities that align with their strategic goals, particularly in digital and cloud-native solutions [71][73] Competitive Positioning and Strategy - Jack Henry has seen a doubling in aggregate assets of new core takeaways, with a focus on larger institutions [23] - The company emphasizes transparency in its direction and has over 70 roadmaps to guide clients [25] - The integration of new technologies and outstanding customer support are key factors resonating with larger clients [26] Payment Solutions and Innovations - The partnership with Move for merchant acquiring is expected to enhance offerings for small and medium businesses, reducing friction in payment processing [47][49] - The closed beta for Move is operational, with positive feedback from banks and credit unions [48] - Jack Henry aims to empower banks to serve their customers better, particularly in the underserved small business segment [61] Future Outlook and Capital Allocation - Jack Henry is working towards returning to an 80% to 100% free cash flow conversion rate, with ongoing efforts to address R&D tax credits [69][70] - The company maintains a healthy dividend policy and is open to share buybacks and M&A opportunities as part of its capital allocation strategy [75] Conclusion - Jack Henry & Associates is positioned well within the fintech space, focusing on innovation, customer service, and strategic growth through technology and partnerships, while navigating regulatory changes and economic uncertainties.

Group 1 - KeyBank has announced a strategic partnership with Qolo, marking a significant step in its decade-long strategy of investing in fintech providers [1][3] - The partnership includes a minority investment in Qolo, which is expected to enhance banking innovation and drive transformative solutions [1][3] - KeyVAM®, a technology-enabled cash management solution powered by Qolo, has processed nearly $9 billion in transactions since its launch, showcasing its success and impact in the market [2][3] Group 2 - KeyVAM® offers features such as automated reporting, reconciliation, and customizable virtual account structures, aimed at improving client experiences [2][3] - The collaboration between KeyBank and Qolo is focused on empowering businesses and financial institutions through technology, reinforcing their commitment to innovation in the banking industry [3][4] - KeyBank, with approximately $189 billion in assets as of March 31, 2025, operates a network of around 1,000 branches and 1,200 ATMs across 15 states [4][5]

Core Insights - Fintech Cadence and Visa have announced a collaboration aimed at fostering fintech innovation in Canada, particularly in the payment and remittance sectors [1][2][3] - The partnership will include curated programming, events, and educational initiatives to support the development of Canadian fintech companies [1][4] Company Overview - Fintech Cadence is Canada's largest fintech incubator, established in 2017, focusing on raising awareness, supporting early-stage startups, and connecting fintechs with the financial industry [3][5] - Visa collaborates with over 2,000 fintechs globally to address challenges in payments and provide expertise in digital commerce [2] Event Details - Visa will be a Champion Sponsor of the 2025 Fintech Drinks Series, with the first event scheduled for March 26, 2025, in Montreal, followed by events in Halifax, Calgary, Toronto, and Montreal later in the year [4]

As filed with the U.S. Securities and Exchange Commission on July 7, 2023. Registration No. 333-267907 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 (Amendment No. 5) REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 JANOVER INC. (Exact name of registrant as specified in its charter) Delaware 7374 83-2676794 (State or other jurisdiction of incorporation or organization) (Primary Standard Industrial Classification Code Number) (I.R.S. Employer Identification Number) 6 ...