# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (dated 2026-05-23 by the file itself), not
# harvested from the provider. `method: generated` so the economics campaign may replace it with a
# dated, verbatim transcription; every figure below is unverified until it does.
# Coverage demoted 2026-10-07 (roadmap#942, PLAN.md Stage A): this file was written by an API Evangelist
# sweep and names no billing unit, meters or pricing category read from the provider — it restates the
# FinOps framework. It is `x-coverage: unmeasured`, and the FOCUS alignment it claimed has been removed.
x-coverage: unmeasured
method: generated
generated: '2026-05-23'
finopsFrameworkVersion: '2024'
focusVersion: '1.0'
provider:
  id: jack-henry
  name: Jack Henry & Associates
  ticker: JKHY
  exchange: Nasdaq

description: |
  Jack Henry's commercial model is enterprise SaaS + transaction-processing,
  billed at the institution level rather than at the API-call level. FinOps
  mapping here therefore aligns to the major segments documented in
  Jack Henry's FY2025 10-K and quarterly earnings disclosures (deconversion,
  core, payments, complementary, etc.) rather than to per-endpoint metering.

  This file maps the FinOps Framework's capability domains to Jack Henry's
  documented surfaces and FOCUS-style billing dimensions to what is
  externally visible.

modified: '2026-05-23'

capabilities:

  - capability: Inform - Data Ingestion
    description: Pull billing + usage data from the master MSA (no per-call API).
    sources:
      - Quarterly invoice
      - Annual MSA addenda
      - Statement of Work line items

  - capability: Inform - Allocation
    description: |
      Allocate Jack Henry charges across cost centers / business lines.
      Allocation keys typically include: number of accounts, ACH origination
      volume, wire count, RDC item count, card transactions, statement
      counts, and digital-banking enrolled users.
    suggestedAllocationKeys:
      - openAccountCount
      - achOriginationCount
      - wireCount
      - rdcItemCount
      - cardTransactionCount
      - statementCount
      - digitalEnrolledUserCount

  - capability: Quantify - Forecasting
    description: |
      Forecast based on projected institution growth and rail mix shifts
      (e.g., wire-to-RTP substitution, ACH-to-RTP substitution under the
      Payments Orchestrator).

  - capability: Optimize - Rate Optimization
    description: |
      Renegotiate per-rail unit pricing at MSA renewal; use Payments
      Orchestrator to route lower-cost rails when SLA permits.

  - capability: Operate - Cost Anomaly Management
    description: |
      Detect spend anomalies by joining EES TransactionEvent stream with
      the institution's GL — no first-party cost-anomaly API surfaced.

focusMapping:
  - focusField: ServiceName
    source: Jack Henry MSA line item (e.g., "Banno Digital Banking", "ACH Origination", "SilverLake Core")
  - focusField: ServiceCategory
    values:
      - Core Banking
      - Digital Banking
      - Payments
      - Lending
      - Fraud
      - Data & Analytics
  - focusField: BillingPeriodStart / BillingPeriodEnd
    source: Monthly invoice cycle (typically calendar month)
  - focusField: ChargeCategory
    values: [Usage, Subscription, OneTime]
    notes: |
      - Subscription: per-account or per-enrolled-user monthly fee (digital, core)
      - Usage: per-transaction (ACH item, wire, RDC item, card auth)
      - OneTime: implementation, conversion, deconversion charges
  - focusField: BilledCurrency
    value: USD
  - focusField: BillingAccountId
    source: Jack Henry MSA client number
  - focusField: SubAccountId
    source: Per-institution / per-branch cost center

unitMetrics:
  - name: Open Account
    unit: account-month
  - name: Enrolled Digital User
    unit: user-month
  - name: ACH Item
    unit: count
  - name: Wire
    unit: count
  - name: RDC Item
    unit: count
  - name: Card Transaction
    unit: count
  - name: Bill Payment
    unit: count
  - name: Statement
    unit: count

caveats:
  - No public per-API list prices or per-call billing dimensions.
  - FOCUS export is not available from Jack Henry as a first-party feed; FinOps teams must reconstruct it from invoices + EES TransactionEvent telemetry.
  - Deconversion fees are a material one-time category disclosed separately in IR releases.

sources:
  - https://ir.jackhenry.com/
  - https://ir.jackhenry.com/news-releases/news-release-details/jack-henry-associates-inc-reports-fourth-quarter-and-full-year-1
  - https://ir.jackhenry.com/news-releases/news-release-details/jack-henry-announces-fiscal-fourth-quarter-full-fiscal-year-2025
  - https://en.wikipedia.org/wiki/Jack_Henry_%26_Associates