Major mega-banks and global financial institutions such as JPMorgan Chase typically develop, maintain, and scale their own proprietary core banking systems and proprietary software architectures rather than relying on third-party vendors like Jack Henry. Jack Henry's primary market focus centers on small-to-midsize community banks, regional financial institutions, and credit unions that benefit from outsourced core processing and pre-built digital ecosystems. Because tier-one global banks manage massive transaction volumes and specialized enterprise infrastructures unique to their worldwide operations, they rarely utilize standard community-focused core platforms provided by vendors in this sector.