goDough is the browser-based solution developed internally by Jack Henry & Associates, introduced in November 2007, and now supporting subscribers of 34 mobile service carriers.

goDough, which is compatible with any Web-enabled mobile device regardless of make or model and all mobile phone carriers, enables bank customers and credit union members to conduct traditional in-branch and online transactions such as balance inquiries, funds transfers between accounts, and transaction viewing; and supports all account types, including checking, certificates-of-deposit, money markets, loans, and lines-of-credit. This proprietary solution also enables users to receive designated alerts and make mobile payments to entities other than the offering financial institution.

According to Tony Wormington, president of Jack Henry & Associates, "Adoption rates among our clients during the first 12 months have been very rewarding, and we expect this contemporary banking channel will continue to generate strong interest based on the immediate benefits it can generate. Mobile banking is a new interactive channel that connects consumers to their finances and their financial institution, and it provides immediate access to account information and the ability to initiate transactions literally anywhere. goDough enhances customer convenience, self-sufficiency, and service; it can attract and retain technology-focused consumers; and it can strengthen competitive positioning in today's highly competitive financial services marketplace. We consider mobile banking to be a natural extension of our clients' Internet and retail strategies, and it is the next logical financial service considering more than 70 million Americans own cell phones. And just as mobile phones have evolved into personal management devices, we expect mobile banking to evolve into a must-have service that will continue to expand with technological advancements like beep and pay and person-to-person payments."

goDough is fully integrated with the three functionally distinct core banking systems -- SilverLake System, CIF 20/20, and Core Director -- provided by the company's Jack Henry Banking(TM) division, and the industry-leading core platform for credit unions -- Episys -- that is provided by Symitar(TM).

Kathy Hooker Burress, president of Symitar, said, "Credit unions pride themselves on providing exceptional service and member care, and they consistently leverage technology to support that industry hallmark. Mobile banking is a rapidly emerging, service-related technology that enables members to stay even more connected to their credit unions. This member-facing technology expands the 'anytime' convenience we now expect with Internet banking with the 'anytime and anywhere' convenience of mobile banking. We believe mobile banking is a key service that credit unions need to compete and to attract technology-savvy members."

goDough utilizes the mobile bill payment technology provided by Jack Henry & Associates' NetTeller Bill Pay(TM) system to transact external payments, but it does not require the implementation of the company's NetTeller Online Banking solution.