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Solution Enhancements

Getting Started > Fintech Integration Phases > Solution Enhancements

Introduction

When a Fintech solution has already been deployed within a FI’s environment and the Fintech later needs to introduce updates—such as adding new features, modifying existing capabilities, or deprecating functionality—a revised integration process is required. This ensures that all changes are properly evaluated, aligned, and implemented within the Fintech Integration Network (FIN).

Development Phases

Development of new APIs are only to be performed within the DMZ development institutions. Development within an FI’s environment is not allowed under the FIN agreemnt.

Phase 1 - Solution Development

During this time the Fintech modifies their solution against the JH SOAP APIs.

The duration of this phase can vary significantly based on two key factors:

  • Product complexity
  • Resources allocated by the Fintech

These variables influence how quickly development and integration tasks can be completed.

Responsible Party: Fintech

Turnaround Time: 3-12 months

Phase 2 - Integration Readiness Check

After the modification development efforts are complete, a Fintech’s product must pass an Integration Readiness Check (IRC) before being allowed to implement at a Financial Institution. (For simple modifications the IRC may be modified from a full IRC.) Complete details on this requirement can be found on our Fintech Requirements and Readiness page. Jack Henry limits your integration’s API authorization in live customer environments to only the APIs you used during the Integration Readiness Check.

If you have completed your modification development and are ready to re-take the IRC, please fill out the Integration Readiness Check Request Form and someone from the Developer Relations team will provide next steps.

Responsible Party: Fintech and Jack Henry

Turnaround Time: 5-10 business days (average)

Phase 3 - JH Internal Solution Documentation

After the IRC is completed, the Developer Relations team will collect details about the changes to the product to update our internal documentation on the Fintech solution. This process ensures all information is properly documented, enabling our operational teams to clearly understand the product’s integration requirements.

Responsible Party: Fintech/Jack Henry

Turnaround Time: 1-5 business days (average)

Implementation Phases

The following phases are designed to ensure clear communication between the Fintech and the Financial Institution (FI) during the implementation of the Fintech solution within the FI’s environment(s).

Note: These steps must be repeated for each new FI that the Fintech integrates with.

Phase 4 - Financial Institution Solution Documentation For Implementation

Once all development phases are complete, the Fintech should notify their Financial Institution (FI) contact that they are ready to begin FI implementation. This step requires the FI to complete the subsequent phases and will also require the Fintech to provide the FI with the following information:

  • Fintech Name
  • Client Id used for the solution
  • ValidConsmName
  • ValidConsmProd
  • Modifications made so FI provide direction to Implementation team

Responsible Party: Fintech

Turnaround Time: Varies dependent on the Fintech

Phase 5 - Request Solution Update

Each FI that uses the solution and desires the change must submit a For Clients Portal case requesting Fintech API access. The case should include the following information:

  • Problem Summary: Request to implement {Fintech’s Name and Fintech’s Product} solution

  • Description: Please route this case to the jXchange Implementations team to implement the following

    • Fintech Name
    • Fintech Product Name
    • Client Id used for the solution
    • Financial Institution Environment(s) to be used for the implementation
    • Any FI specific special instructions (This will include information on modifications to the Fintech Solution required by the FI.)
  • Product: JX_JXCHANGE

  • Problem Type: Implementations

Responsible Party: Financial Institution and Jack Henry

Turnaround Time: The usual Implementations Team backlog for this item is 60-90 calendar days.



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Last updated Mon Feb 2 2026