Jack Henry Study Reveals 83% Momentum Makers vs 57% Startup Sparks Satisfaction Gap
Jack Henry's 2025 Financial Sentiment Study surveyed 431 SMBs and found 71% overall satisfaction with their financial health, contrasting 83% for mid-stage Momentum Makers versus 57% for early Startup Sparks. It also revealed 65% cash-flow confidence and highlighted SMBs’ prioritization of low fees, ease and service.
1. Study Overview
Jack Henry surveyed 431 small and medium businesses in its 2025 Financial Sentiment Study to assess financial health, operational challenges, and needs from banks and credit unions.
2. Financial Satisfaction Gaps
Overall, 71% of SMB owners reported satisfaction with their financial situation, but this ranged from 83% for mid-stage Momentum Makers to 57% for early-stage Startup Sparks.
3. Confidence in Cash Flow Management
65% of SMB owners feel confident managing cash flow, and boosting income tracking and cash-flow management could significantly raise satisfaction across all business segments.
4. Product Preferences and Growth Opportunities
SMBs prioritize low or no fees, favorable interest rates, ease of process, and customer service, creating opportunities for Jack Henry’s Tap2Local and Rapid Transfers solutions to deepen client relationships.